When is Open Enrollment for Health Insurance 2025 North Carolina

Compare Health Plans in your area

Enter Zip Code

Mark your calendars! The open enrollment period for North Carolina Marketplace Health Insurance starts on November 1, 2024, and ends on December 15, 2024.

Enroll or update your Marketplace plan within this period to ensure coverage starting January 1, 2025.

Eligible employees can review and modify their health plans during this enrollment period. Make sure to note these key dates to secure the coverage you need.

Start Date: November 1, 2024

Open enrollment for 2025 begins on November 1, 2024. This period allows eligible employees to enroll or update their benefits.

End Date: December 15, 2024

The open enrollment period in North Carolina ends on December 15, 2024. Enroll by this date to ensure your health coverage starts on January 1, 2025, and avoid any gaps.

For 2025, the North Carolina Marketplace maintains its two preferred provider plans: the Base PPO Plan and the Enhanced PPO Plan. Both plans offer comprehensive health coverage but cater to different needs and preferences.

Detailed plan summaries and coverage documents are accessible through this website, allowing employees to review and compare their options.

Choosing the right plan is essential. Understanding the differences between these two options will help you make the best decision for your health and financial situation.

Base PPO Plan

The Base PPO Plan is the default option for North Carolina residents, providing essential health coverage at a lower monthly premium. For 2025, the premium for subscriber-only coverage is set at $85.

This plan ensures that preventive services remain covered, and members benefit from reduced copays at the provider’s office.

Enhanced PPO Plan

The Enhanced PPO Plan offers additional benefits compared to the Base PPO Plan, with a monthly premium of $110. This plan is ideal for those who seek more comprehensive coverage and are willing to pay a slightly higher premium.

Employees need to enroll in the Enhanced PPO Plan during the open enrollment period to take advantage of its benefits.

Tobacco Users and Premium Credits

Tobacco users can lower their monthly premiums by completing the tobacco attestation process, which is mandatory to avoid a premium surcharge. This process helps manage costs and encourages healthier lifestyle choices.

Here are the steps tobacco users can take to benefit from these premium credits.

By attending a tobacco cessation counseling session, tobacco users can reduce their monthly premium by $60. These sessions offer valuable strategies for quitting smoking and improving overall health.

To qualify for the premium reduction, tobacco users must attend a session by the end of November.

Non-tobacco users can also benefit from a monthly premium credit by completing an online attestation during open enrollment.

This process helps lower the Base PPO Plan premium from $85 to $25, incentivizing healthy choices and making health insurance more affordable.

Enrolling in a marketplace plan is straightforward, thanks to the two enrollment platforms available.

Here is a detailed look at the online enrollment process and available support.

Beneficiaries can enroll in health coverage and modify your elections through this website and by calling one of our licensed agents. During open enrollment, attest online to confirm your non-tobacco user status and receive the wellness premium credit.

You can use our website by entering your zip code on this page, or calling us now at 877-517-5357.

Compare Health Plans in your area

Enter Zip Code

As we move into 2025, there are some significant changes to be aware of regarding the North Carolina Marketplace plans. The most notable change is the transition to Aetna as the third-party administrator, replacing Blue Cross NC.

This transition is expected to save North Carolina taxpayers around $140 million while maintaining the same plan terms.

Starting January 1, 2025, Aetna will take over as the third-party administrator for the North Carolina Marketplace plans. This change will not affect member premiums but will provide more efficient management of the health plans.

if you have any questions or concerns, call 1-877-517-5357.

Understanding your Marketplace coverage is crucial for maximizing your benefits. In 2025, there will be no changes in benefits, copays, or deductibles. Preventive services, such as vaccinations and screenings, will continue to be fully covered without any copay or deductible.

Additionally, members will still have access to their current pharmacy benefits managed by CVS Caremark. Let’s break down these aspects further.

Preventive services, including essential health screenings and vaccinations, will continue to be offered at no cost to members.

This ensures that North Carolina Marketplace members have access to necessary health services without any out-of-pocket expenses, playing a crucial role in maintaining health and preventing illness.

Prescription coverage remains an essential aspect of the Marketplace plans. While the formulary, which lists covered medications, is updated quarterly, the process ensures that members have access to necessary medications.

Stay informed about any changes to the formulary to manage your prescription needs effectively.

Having the right resources and contacts at your fingertips can make navigating open enrollment much easier. This website is the primary tool for managing your health coverage, and personalized assistance is available over the phone for those who prefer it. Simply call now at 1-877-517-5357.

Additionally, the N.C. A&T Division of Human Resources/Benefits Office and the UNC Charlotte Benefits Office offer information sessions and support during the enrollment period.

Here are specific resources available to you.

Using our website during the open enrollment period is crucial. By entering your zip code into this page, you can find full coverage details, plan comparisons, and eligibility information.

These website can help you make informed decisions about your Marketplace options and understand the benefits and coverage available to you.

As we conclude our journey through the open enrollment period for North Carolina Marketplace Health Insurance for 2025, it’s clear that staying informed and proactive is key.

From understanding the critical dates to exploring your plan options and utilizing available resources, each step ensures that you make the best decisions for your health and financial well-being.

This open enrollment period is your opportunity to secure comprehensive health coverage for the coming year. Take advantage of the available plans, attend necessary counseling sessions, and use the support services provided.

Being well-prepared will help you navigate the complexities of Marketplace plans with confidence.

Compare Health Plans in your area

Enter Zip Code