Health Insurance in Concord, NC

Health Insurance Carriers in Concord, NC

Residents of Concord can compare health insurance plans from the following carriers during Open Enrollment (November 1–January 15): Blue Cross NC, Ambetter from WellCare of NC, Aetna, Cigna, Oscar Health. The dominant carrier in most Concord ZIP codes is Blue Cross NC.

Concord is in Cabarrus County northeast of Charlotte and is anchored by Atrium Health Cabarrus, the local flagship of the Atrium Health system.

2026 Plan Data for Residents in Concord

Here is what is actually filed and for sale in Cabarrus County for 2026.

• Concord sits in Cabarrus County, where 4 carrier(s) have filed 68 plans for 2026: Ambetter of North Carolina, Blue Cross and Blue Shield of NC, Cigna Healthcare, Oscar Health Plan of North Carolina.
• Plan types available to Concord residents: EPO, HMO, PPO.
• One of the lower-cost Silver options is Silver Simple Breathe Easy with Enhanced COPD Benefits | with Atrium Health from Oscar Health Plan of North Carolina — $586/month at age 40 with a $6,200 deductible and No Charge primary care.

Source: CMS Plan Year 2026 Qualified Health Plan Landscape file. Full-price filed rates before premium tax credits; not a quote or an offer of coverage. Verify current rates at enrollment.

Hospitals and Health Systems in Concord

Major hospital systems and facilities serving Concord include:

• Atrium Health Cabarrus (formerly Carolinas Medical Center-Northeast)
• Atrium Health Charlotte (nearby)

Network coverage varies by plan. Before enrolling, confirm your preferred hospital is in-network by checking the plan’s provider directory or calling member services.

Urgent Care Centers in Concord

Urgent care facilities in the Concord area include:

• Atrium Health Urgent Care Concord
• FastMed Urgent Care Concord
• NextCare Urgent Care

ACA Subsidies and Medicaid in Concord

Residents of Concord may qualify for ACA premium tax credits if household income falls between 100% and 400% of the federal poverty level (~$15,650–$62,600 for a single adult in 2026). Apply through healthcare.gov or a licensed broker during Open Enrollment or after a qualifying life event.

Concord Health Insurance Market Profile

• Population: 105K
• County: Cabarrus County
• Median Household Income: $70,000 (~447% of the 2026 FPL)
• Marketplace: healthcare.gov