Health Insurance and NCFlex Benefits
















State Health Plan

The State Health Plan offers eligible employees two Preferred Provider Organization (PPO) plan options, the 70/30 and 80/20. These plans offer coverage for both in-network and out-of-network providers. However, visiting an in-network provider lowers deductibles, copays, and coinsurance.

The State Health Plan also offers the High Deductible Health Plan (HDHP), which is a health plan to comply with the federal Affordable Care Act (ACA). This plan is only available to employees eligible for coverage under G.S. §135 48.40(e).

Blue Cross Blue Shield of North Carolina administers each of these plans but benefits are paid by the state. Under all plans, Affordable Care Act (ACA) preventive services and medications are covered at 100% for services performed by an in-network provider.

State Health Plan FAQs.


NCFlex provides a wide variety of supplemental pre-tax benefits to meet the needs of an employee and their qualifying dependents. Eligible employees have the option to enroll in any of the following NCFlex supplemental benefit plans: