ACA Open Enrollment Is Here

To schedule a free in-person appointment, individuals can call the statewide navigator hotline, 1-855-733-3711 or go to ncnavigator.net.

The Open Enrollment Period for 2020 health insurance coverage started Nov. 1 and runs through Dec. 15, giving consumers 45 days to enroll in health coverage from the Federal Health Insurance Marketplace.

Despite confusion around the Affordable Care Act (ACA), the ACA and its protections remain the law: financial assistance is still available to eligible consumers; individuals cannot be denied coverage or charged more due to a pre-existing condition, such as cancer or diabetes, among others.

Last year, more than 90 percent of North Carolinians who enrolled in Marketplace coverage were eligible for financial assistance, which can lower monthly premiums and out-of-pocket expenses. .

Mecklenburg County also had the highest number of enrollments in the state in with 60,229 residents signing up for 2019 coverage. Of those who enrolled, 53,878 residents received financial assistance; 16,655 enrolled for Marketplace coverage for the first time.

As a member of the N.C. Navigator Consortium, Charlotte Center for Legal Advocacy’s team of health insurance navigators are available to help consumers understand their health insurance options through both the Health Insurance Marketplace and Medicaid.

Navigators are federally certified and required to provide objective, non-biased information about all healthcare options available. Navigators from the Charlotte Center for Legal Advocacy will be assisting consumers at different community locations in Cabarrus, Mecklenburg and Union counties during open enrollment.

Open Enrollment Navigator Sites

  • Beatties Ford Road Library
  • Cabarrus Health Alliance
  • Charlotte Center for Legal Advocacy
  • CMC Myers Park
  • CMC Northpark
  • CPCC-Main Campus
  • El Puente Hispano
  • Goodwill Industries

  • Independence Library
  • Latin American Coalition
  • Mecklenburg County Health Department
  • Monroe Library
  • New Beginnings Church
  • Union County Human Services
  • West Boulevard Library


Watch Julieanne Taylor explain to WBTV’s “On Your Side Tonight” what consumers need to know for Open Enrollment.

The Advocacy Center will also host enrollment events every Wednesday from 4 p.m. to 8 p.m. and every Saturday from 9 a.m. to 4 p.m. at the Charlotte Center for Legal Advocacy satellite office located at 1524 Elizabeth Avenue, in Charlotte. On Saturdays, walk-ins are welcome until 3 p.m.

A final enrollment event will be held Sunday, Dec. 15, noon to 8 p.m. at 1524 Elizabeth Avenue in Charlotte.

To schedule a free in-person appointment, individuals can call the statewide navigator hotline, 1-855-733-3711 or go to ncnavigator.net.

All consumers – new and renewing – are encouraged to return to the Marketplace during Open Enrollment to explore their options and enroll in health coverage. For individuals renewing coverage, it is important to review application information and 2020 plan options because plans and prices change every year.

What are the benefits?

By signing up for health insurance, consumers may receive free preventive care, which includes

  • well-women visits
  • physical exams
  • regular screenings
  • wellness tests

The ACA has made insurance more accessible and affordable to consumers, and consumers can find quality, affordable plans through the Health Insurance Marketplace. If you can afford health insurance but choose not to buy it, you may face high out of pocket costs if you have a medical emergency or need to visit a doctor.

To qualify for financial assistance through the Health Insurance Marketplace, individuals must meet the following requirements:

  1. Have household income between 100% and 400% of the Federal Poverty Level. Certain immigrants are eligible even if income is below the poverty line.
  2. Be a U.S. citizen or lawfully present immigrant. This includes green card holders, refugees, asylees, U visa holders, work and student visa holders, TPS, among others.
  3. Not eligible for affordable employer-based coverage, Medicaid, or Medicare.

Special Enrollment Periods

After December 15, some individuals may be eligible to enroll for coverage through a Special Enrollment Period. Special Enrollment Periods are available for individuals who recently experienced a major life change, such as a permanent move, the birth of a child, or a newly obtained immigration status. If you qualify, then you may enroll in Marketplace coverage within 60 days of the change. It is important to note that you can also enroll for coverage under Medicaid and CHIP all year long.

If you have questions about your health coverage options, navigators are available the entire year to assist consumers understand their options, enroll in Marketplace or Medicaid coverage, report changes to the Marketplace, understand their medical bill, and assist with Marketplace appeals.

To contact a Navigator to schedule a free, in-person appointment, consumers can call to 1-855-733-3711 or go online to ncnavigator.net.

Learn more about Charlotte Center for Legal Advocacy’s Health Insurance Navigator Project

9-30 Recap of Healthcare Hot Topics: Access to Care in N.C.

When it comes to health care in North Carolina, a lot is changing. Charlotte Center for Legal Advocacy and CareRing recently hosted a policy update to help residents understand what’s changing and how we can protect access to care in our community. Learn about what is happening and use these resources to stay informed.

Medicaid Transformation in North Carolina

North Carolina’s Medicaid program is changing. The state has contracted with private health insurance companies to manage health care for most N.C. residents who receive health coverage through Medicaid and NC Health Choice (CHIP). Find out what you need to know to prepare your family or your patients for these changes.

Find out what these changes mean for you and your family and what you need to do to continue receiving your Medicaid benefits.

Contact Charlotte Center
for Legal Advocacy
Becca Friedman (English)
Johanna Parra (Español )

Learn more about Medicaid Transformation in NC

Access to Care Under the Affordable Care Act

Despite misinformation, repeal attempts and significant budget cuts for outreach and advertising, the Affordable Care Act has enabled thousands of North Carolinians to receive affordable health insurance with protections from pre-existing condition exclusions and limits over the last nine years.

More North Carolinians would have access to affordable health coverage and care if the state were to expand it’s Medicaid program under the Affordable Care Act by 2020, which would have provided $21 billion in federal tax dollars to the state and created 43,000 jobs.

Because the state has failed to expand its program, at least 200,000 N.C. residents fall into the Medicaid Gap, where their income is too high to qualify for the current Medicaid program while also being too low to qualify for financial assistance to purchase health insurance under the Affordable Care Act.

Despite N.C.’s failure to expand Medicaid, the state’s uninsured rate is at 11 percent and continues to decrease. Last year, Mecklenburg County had the highest number of enrollments in the state with 60,229 residents enrolling in a Marketplace plan; 53,878 received financial assistance, and 16,655 enrolled for the first time.

There are still more than 1 million N.C. residents who remain uninsured but eligible for coverage with financial assistance.

Open Enrollment Nov. 1 – Dec. 15 2019

Navigators are available Monday through Friday 9 a.m. to 5 p.m. across Cabarrus, Mecklenburg and Union counties, with enrollment events every Wednesday and Saturday. Make a free appointment today:

  • Call 1-855-733-3711

Learn more about the Health Insurance Navigator Project

Immigrant Access to Health Care in North Carolina

Over the last two years, immigrant families have been targeted by policy changes that have impacted their safety, security and stability.

As advocates for health care and immigrant families, we have the opportunity to fight fear with facts.


Immigrants — including naturalized citizens, lawfully present non-citizens and people who are undocumented — make up 13 percent of the U.S. population. The vast majority of children in immigrant families are U.S.-born citizens, which means they have access to the same health care and benefits as other U.S. citizen children.

Shift in Federal Immigration Policies

  • Increasing immigration enforcement
  • Removal of legal protections
  • Reducing access to public benefits

Impact on Health Care Access

  • Immigrant families, including those with lawful status, are experiencing resounding levels of fear and uncertainty.
  • Increased fears are having significant negative effects on the health and well-being of children that have lifelong consequences.
  • Immigrant families have growing concerns about participating in public programs.

What you can do

  • Understand these policies and how they impact our community
  • Help patients understand their health coverage options.
  • Make your voice heard! Hold policy makers accountable to protect and expand access to health care in our community.

Questions? Contact Charlotte Center for Legal Advocacy