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Consider choosing a plan that includes the Atrium Health doctors and hospitals you trust.

Open enrollment for the Individual Health Insurance Marketplace begins November 1, 2019 and ends December 15, 2019. This is the opportunity for individuals and families looking for health insurance coverage to compare health insurance plans and enroll in a plan for 2020.

Why choose Atrium Health?

When you choose a health insurance plan with Atrium Health you get:

  • World-class care from experts at Levine Cancer Institute, Sanger Heart & Vascular Institute and more
  • Access to primary care, on-demand care including urgent care and online video health visits, and the region's only Level I trauma center
  • Peace of mind that you can keep your out-of-pocket costs down when you get care from us

Which plans include Atrium Health providers?

Atrium Health doctors and hospitals are in-network for the following plans sold on the Individual Health Insurance Marketplace for 2020:

Metro Charlotte, NC Area

  • Blue Local, with Atrium Health, from Blue Cross and Blue Shield of North Carolina

York and Lancaster Counties, SC

  • BlueEssentials from Blue Cross and Blue Shield of South Carolina*
  • BlueOption from BlueChoice HealthPlan*

*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 plans by county, including those that allow you to pay less out of pocket when getting care from Atrium Health doctors and hospitals.


Bright Health insurance plans and Blue Value from Blue Cross and Blue Shield of North Carolina health insurance plans do NOT include Atrium Health doctors and hospitals. Other non-Atrium Health Blue Local products 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.

How to Enroll in or Change Plans

For more information or to change your plan, you can:

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 period of time when you can enroll in or make changes to a health plan. For 2020 plans, open enrollment begins November 1, 2019 and ends December 15, 2019.

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. To have the lowest out-of-pocket cost for care from Atrium Health and you live in the Metro Charlotte, NC area, consider selecting a Blue Local with Atrium Health plan. If you live in York or Lancaster counties in SC, consider a BlueEssentials or BlueOption 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.

  • 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 a 2019 individual health insurance plan that you need to update, you can:

  • Visit for a full listing of plans by state and a checklist of documents you need and/or
  • Talk with your health insurance agent.