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Group Plans
As a small business owner in North Carolina, you know how tough it’s become to offer quality health coverage and still keep an eye on the bottom line. Rising premiums have put a lot of pressure on small employers, even though your team depends on these benefits to stay healthy and stay with you.
Why Look at Group Plans?
A New Opportunity in a Changing Market
With carrier premiums rising and subsidies decreasing on the Marketplace, many owners are finding that group rates are more competitive than they expected. Even very small teams are starting to qualify for plans that offer:
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More predictable costs year-to-year
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Stronger benefits for employees
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A powerful tool for retention and recruitment
If you’ve never looked at group coverage before — or it’s been a few years — this could be the right time.
As an authorized Blue Cross NC partner, we offer Carolina HealthWorks — a great option for NC Chamber-affiliated businesses.
What is Carolina HealthWorks?
Carolina HealthWorks is a multiple employer welfare arrangement (MEWA) that brings together North Carolina small businesses so they can access the rate advantages and benefits typically only enjoyed by larger groups.
Through Carolina HealthWorks, eligible employers can access a Blue Cross NC health plan with:
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Competitive rates and flexible plan designs
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Access to Blue Cross NC’s broad provider network
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Fixed monthly payments and risk-based pricing that may offer savings compared to standard small-group community-rated plans
Who can qualify?
Carolina HealthWorks is available to employers who:
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Have 2–50 eligible employees
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Are headquartered in North Carolina
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Are members of the NC Chamber or a participating local chamber
If you’re not yet a chamber member, joining a participating local chamber (or the NC Chamber) can open the door to this program.
Not Ready for a Group Plan Yet?
We Still Have Options for You. If a group policy isn’t the right fit today, that’s okay.
We can still help you:
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Enroll you, your family, or your employees in individual Marketplace plans
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Compare new 2026 options
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Understand how premium increases and subsidy reductions affect your budget
You don’t have to be “ready” for a group plan to get support. We adapt to whatever stage your business is in.
Benefit Options that Cost the Employer $0
Boost your benefits, without increasing overhead:
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Dental & Vision
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Accident & Hospital
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Cancer
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Life & Disability
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and more!
These can be 100% employee-paid or partially employer-supported. You choose what’s best.
Why it's important to have a local agent
Personalized Guidance
Help you choose the right coverage to protect your family’s financial future.
Expert Knowledge
Help you navigate options and find the best policies suited to your area and lifestyle.
Ongoing Support
Answer your questions, review your policy, and make adjustments as your needs change over time.