Individual Health Insurance Marketplace
Open Enrollment for the Individual Health Insurance Marketplace is the chance for you and your family to get a new health insurance plan. Before you enroll, it’s important to compare plans and consider if your Atrium Health doctors are covered in your plan.
Choosing a health plan that includes our most trusted and preferred care means you can always give your family the best. Keep reading to learn which plans include Atrium Health, how to enroll and more.
Key dates:
Open enrollment begins
November 1
Open enrollment ends
January 15
Coverage begins
- January 1 if enrolled by December 15
- February 1 if enrolled by January 15
Application Checklist
Use this list to gather information you’ll need and find steps you may need to take to enroll in a health care insurance plan.
Get checklist
Healthcare.gov
Review your insurance options, find out if you’re eligible for tax credits to help pay for your coverage and then enroll in an insurance plan.
Get startedEnrollment Assisters
Call us to get more information about how to enroll or to schedule an appointment with one of our Enrollment Assisters.
336-716-6000
Which plans include Atrium Health?
For 2025, the following plans sold on the Individual Health Insurance Marketplace include Atrium Health doctors and hospitals in their networks:
North Carolina
- Aetna CVS Health
- Ambetter of North Carolina (with Atrium Health)
- Blue Local (with Atrium Health)
- NEW: Oscar Health (with Atrium Health)
- UnitedHealthcare
- WellCare of North Carolina
South Carolina
- Ambetter
- Blue Cross Blue Shield of South Carolina – BlueEssentials
- Blue Cross Blue Shield of South Carolina – BlueVirtuConnect
- InStil Health
- UnitedHealthcare
*Not all plans are available in every county within the area. Please check with the individual plan to confirm benefits and in-network providers.
Introducing Oscar Health
With Atrium Health — Available in the Charlotte, NC, metro area
Learn which health insurance plans are accepted by:
Why choose a plan that includes Atrium Health?
If you already have an Atrium Health doctor or hospital you prefer, you may want to pick a health insurance plan that includes them. This lets you continue seeing them while better managing your health care costs. In addition to your doctor and hospital, you get seamless connection to Atrium Health’s vast care options. A few highlights include:
- Unmatched, world-class care from the region’s only nationally ranked health system which includes Levine Children's Hospital, Levine Cancer Institute, Sanger Heart & Vascular Institute, Musculoskeletal Institute and more
- Primary care from the region’s largest network of providers, including family medicine, internal medicine and women’s health
- The region’s largest network of behavioral health and substance use services
- More virtual options and extended hours for convenient on-demand care, like urgent cares and video visits
- Peace of mind that when you get care from Atrium Health, you can more easily keep your out-of-pocket costs down
How to enroll or change plans
For more information or to change your plan:
- Visit Healthcare.gov
- Talk with your health insurance agent
Frequently asked questions
The marketplace is an online resource where you can shop for, compare, and enroll in or update a health insurance plan. You can also see if you’re eligible for savings.
“Open enrollment” is a federally mandated time when you can enroll in or make changes to a health plan.
Changes are often made to plans available on the health insurance marketplace. These changes may affect which providers, hospitals and other health services are included in a plan’s network, as well as the costs you will be responsible for paying.
If you’re looking for the lowest out-of-pocket cost from Atrium Health, here are some suggestions:
Live in Metro Charlotte, NC? Consider one of these plans:†
- Aetna CVS Health
- Ambetter of North Carolina (with Atrium Health)
- Blue Local (with Atrium Health)
- NEW: Oscar Health (with Atrium Health)
- UnitedHealthcare
- WellCare of North Carolina
†Not all plans are available in every county within the Charlotte, NC, metro area.
Live in York or Lancaster counties in SC? Consider one of these plans:†
- Ambetter
- Blue Cross Blue Shield of South Carolina – BlueEssentials
- Blue Cross Blue Shield of South Carolina – BlueVirtuConnect
- UnitedHealthcare
†Not all plans are available in every county.
A “network” is a group of doctors and hospitals that participates in a health insurance plan. Usually, your out-of-pocket costs are lower if you seek care from doctors and hospitals that belong to your health insurance plan’s network.
Most health insurance plans have networks of doctors, hospitals, pharmacies and other healthcare providers. Depending on the type of health coverage you choose, your care may only be covered if you go to an in-network provider. If staying with your current doctors is important to you, be sure to check if they’re included before deciding.
Health insurance helps you pay for your care. It’s impossible to predict what your medical bills will be each year. Having coverage gives you the peace of mind that you are protected from very high medical expenses.
Studies show that people with health insurance are much more likely than those without it to use preventive health services and necessary prescription drugs. They are also less likely to incur medical debts.
Out-of-pocket costs are your total expenses for medical care that are not paid by your health insurance plan.
Whether you’re applying for the first time or already have an individual health insurance plan that you need to update, you can visit Healthcare.gov for a full listing of plans by state and a checklist of documents you need.
You can also talk with your local health insurance agent.
NOTE: This website does not solicit or otherwise advertise insurance but is intended for your educational purposes only. Atrium Health is not a licensed health insurance agency. AtriumHealth.org is a non-government website operated by Atrium Health.