Individual Health Insurance Marketplace (IHIM)
Due to exceptional circumstances caused by the COVID-19 pandemic, a Special Enrollment Period (SEP) for the Individual Health Insurance Marketplace is being offered from February 15, 2021 to May 15, 2021. This is an opportunity for individuals and families needing health insurance coverage to compare health insurance plans and enroll in a plan for 2021. In addition, individuals or families who already enrolled in an individual health insurance plan for 2021 may change their plan with some restrictions.
When you choose a health insurance plan with Atrium Health you get:
Atrium Health doctors and hospitals are in-network for the following individual health insurance plans for 2021:
*Individual plans only available off of the Individual Health Insurance Marketplace
+Atrium Health physicians in South Carolina and Atrium Health hospitals and physicians in North Carolina counties bordering South Carolina are in-network
View a complete list of NC plans by county
View a complete list of SC plans by county
The following individual health insurance plans do NOT include Atrium Health doctors and hospitals:
If you have a medical emergency, you should go to the closest hospital emergency room. Atrium Health hospitals provide services to all patients seeking treatment for an emergency medical condition, regardless of their health insurance plan or ability to pay for emergency services.
For more information or to change your plan, you can:
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.
Due to the exceptional circumstances caused by the COVID-19 pandemic, many Americans remain uninsured or underinsured and still need affordable health coverage. To help improve access to health insurance, the Centers for Medicare & Medicaid Services (CMS) will provide a Special Enrollment Period (SEP) for individuals and families to apply and enroll in the coverage they need. This enrollment period will be available to consumers in both North Carolina and South Carolina.
From February 15, 2021 to May 15, 2021, those who are eligible will be able to select a health insurance plan with coverage starting the first of the month after plan selection. Current marketplace enrollees will also be able to change to any available plan in their area at the same level of coverage as their current plan.
A "network" is a group of doctors and hospitals that participate 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 a provider who is in-network. If staying with your current doctors is important to you, be sure to check if they are included before making a decision.
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 are looking to change your 2021 individual health insurance plan, you can: