Plans Available in Monroe
Marketplace health insurance in Monroe is offered by: Blue Cross NC, Ambetter from WellCare of NC, Aetna, Cigna, Oscar Health. The leading carrier in the Monroe area is Blue Cross NC. Available plans and exact premiums depend on your ZIP code, age, and household income.
Hospitals and Health Systems in Monroe
- Atrium Health Union
- Atrium Health Charlotte
Verify that your preferred hospital is in-network before selecting a plan. Use each carrier's online provider directory or call the plan's member services number.
ACA Subsidies and Medicaid
If your household income is between 100% and 400% of the Federal Poverty Level (approximately $15,650 to $62,600 per year for a single adult in 2026), you likely qualify for premium tax credits that reduce your monthly premium. Medicaid available year-round for income-eligible adults (138% FPL or below).
How to Enroll
Open Enrollment runs November 1 through January 15 each year. If you have a qualifying life event (job loss, move, marriage, new baby), you have a 60-day Special Enrollment Period. An independent, licensed broker can compare every plan available in your Monroe ZIP code at no cost to you.
2026 Plan Data for Residents in Monroe
Here is what is actually filed and for sale in Union County for 2026.
- Monroe sits in Union 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 Monroe 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.