Find Your Most Affordable Health Insurance Plan in Asheboro, North Carolina
in North Carolina
Randolph County residents can compare 17 health insurance options for 2025.
Blue Local with Atrium Health is a good option if you wish to get care from Atrium Health and its affiliated doctors and hospitals. Since the majority of doctors in this plan are in the same health care system, it’s easier for them to work together on your behalf.
A provider network that includes: Atrium Health Carolinas Medical Center – named “Best Hospital” in the Charlotte metro region.2
Atrium Health Wake Forest Baptist (pre-eminent academic health system).3
Two children’s hospitals: Levine Children’s Hospital (nationally ranked in eight specialties)4 and Brenner Children’s Hospital.
Atrium Health Wake Forest Baptist Comprehensive Cancer Center – one of only three comprehensive cancer centers in North Carolina.5
26 hospitals and more than 650 care locations in NC and SC.6
All doctors outside the Atrium Health provider network are considered out-of-network and not covered for Blue Local with Atrium Health, including: CaroMont Health, Cone Health, Novant Health and their affiliated providers. Out-of-network benefit coverage is not available except for emergency services, urgent care and for medically necessary covered services when an in-network provider is not reasonably available per the access to care standards of Blue Cross and Blue Shield of North Carolina (Blue Cross NC).
Out-of-state providers are also out-of-network and not covered. When traveling outside of North Carolina or the United States, only emergency services and urgent care will be covered at the in-network benefit level. All other non-emergency services will be out-of-network and not covered.
Notes
Blue Cross NC has collaborated with Atrium Health to bring you Blue Local with Atrium Health, a health insurance plan offered by Blue Cross NC that provides access to Atrium Health’s comprehensive network of providers. Atrium Health is an independent company and is solely responsible for the physicians and medical facilities it owns/operates. Atrium Health does not offer Blue Cross or Blue Shield products or services.
Atrium Health, atriumhealth.org/about-us/newsroom/news/atrium-health-earns-multiple-us-news-and-world-report-honors (Accessed September 2023).
Atrium Health Wake Forest Baptist, www.wakehealth.edu/about-us (Accessed August 2022).
Atrium Health, www.atriumhealth.org/about-us (Accessed August 2022).
Atrium Health Wake Forest Baptist, www.wakehealth.edu/locations/facilities/comprehensive-cancer-center (Accessed September 2023).
Atrium Health, https://2023yir.advocatehealth.org/ (Within the full report) (Accessed September 2024).
Blue Local with Atrium Health is available on and off Marketplace to residents of these North Carolina counties: Anson, Cabarrus, Cleveland, Davidson, Davie, Forsyth, Gaston, Guilford, Lincoln, Mecklenburg, Randolph, Rowan, Stanly, Stokes, Union, Wilkes and Yadkin.
Blue Advantage gives you access to our largest nationwide network. This is a good option if you want a broad choice of in-network doctors, specialists and hospitals.
More in-network providers in North Carolina, with over 95% of doctors and 98% of hospitals in-network1
Fewer restrictions on which providers you can see
Nationwide access to in-network providers through BlueCard®2
Emergency services covered at the in-network benefit level regardless of where you go for care
Notes
Blue Cross NC Provider Internal Data; percentages indicated represent the Blue Cross NC PPO Network as of April 7, 2025.
Covered in nearly 200 countries and territories worldwide through the Blue Cross and Blue Shield Association BlueCard program. www.geo-blue.com/ (Accessed March 2025). BlueCard coverage varies for each Blue Cross and Blue Shield plan. For more complete details, including benefits, limitations, and exclusions, please refer to your certificate of coverage.
Blue Advantage is available on and off Marketplace to residents in all North Carolina counties EXCEPT the following, where it is available only off Marketplace: Alamance, Anson, Cabarrus, Caswell, Chatham, Cleveland, Davidson, Davie, Durham, Forsyth, Franklin, Gaston, Johnston, Lee, Lincoln, Mecklenburg, Orange, Person, Rowan, Stanly, Stokes, Surry, Union, Wake, and Yadkin.
Blue Care gives you access to our largest statewide network. This is a good option if you want a broad choice of in-network doctors, specialists and hospitals.
More than 92% of doctors and 97% of hospitals in North Carolina are in-network.1
All doctors outside the Blue Care provider network are considered out-of-network and not covered. Out-of-network benefit coverage is not available except for emergency services, urgent care and for medically necessary covered services when an in-network provider is not reasonably available per the access to care standards of Blue Cross and Blue Shield of North Carolina (Blue Cross NC).
Out-of-state providers are also out-of-network and not covered. When traveling outside of North Carolina or the United States, only emergency services and urgent care will be covered at the in-network benefit level. All other non-emergency services will be out-of-network and not covered.
Blue Home with Cone Health is a good option if you prefer to receive care from Cone Health’s network of doctors.
One of the region’s largest and most comprehensive health care networks, with more than 150 locations, including five hospitals, six ambulatory care centers, three outpatient surgery centers, 11 urgent care centers, and more than 120 physician practices1
Hospitals that have been recognized by U.S. News & World Report as “High Performing” in key areas of care, and a network that has been ranked as the top hospital system in the Greensboro/Winston-Salem metro area2
Notes
Blue Cross and Blue Shield of North Carolina (Blue Cross NC) has collaborated with Cone Health to bring you Blue Home with Cone Health. Blue Home with Cone Health is a health insurance plan offered by Blue Cross NC that provides access to a limited network of providers. Cone Health is an independent company that is solely responsible for the physicians and medical facilities it owns and operates. Cone Health does not offer Blue Cross or Blue Shield products or services.
About Cone Health. Cone Health. www.conehealth.com/news/news-search/2025-news-releases/trusted-for-what-matters-most-cone-health-excels-in-key-areas-of/ (Accessed August 2025).
in Randolph County
Find affordable health insurance in Asheboro, North Carolina, NC with Health Plans of NC. Asheboro, North Carolina is a welcoming community in Randolph County where residents deserve access to quality, affordable health insurance that fits their budget and lifestyle. Health Plans of NC helps Asheboro residents navigate coverage options from Blue Cross NC, the ACA carrier serving Rating Area 3, where 17 distinct plans are available for 2025. With an uninsured rate of 16.2 percent, representing roughly 4,000 Asheboro residents without coverage, finding the right plan has never been more important for individuals and families across zip codes 27203, 27204, and 27205.
Plan Network | Type | Network Coverage |
|---|---|---|
Blue Advantage | PPO | Largest nationwide network, 95%+ of NC doctors in-network |
Blue Care | PPO | Broad statewide network, 92%+ of NC doctors in-network |
Blue Local with Atrium Health | PPO | Available in Asheboro, North Carolina |
Blue Home with Cone Health | PPO | Available in Asheboro, North Carolina |
Asheboro residents have access to a range of health insurance coverage types depending on their income, employment status, and household size, with 17 ACA-compliant plans available through Blue Cross NC in Rating Area 3 for 2025. Whether you are self-employed, working for a local business, or between jobs, there is a plan structure designed to match your specific financial and medical needs. Healthcare facilities serving Asheboro, including Randolph Health, Cone Health, and Wake Forest Baptist Health, are part of provider networks tied to these coverage types, making plan selection especially important for maintaining access to local care.
Catastrophic coverage plans serve Asheboro adults under 30 or those with hardship exemptions who want low monthly costs and protection against worst-case medical events near local facilities like Randolph Health.
High-deductible, lower-premium plans are well-suited for healthy Asheboro residents who rarely need routine care but want financial protection from unexpected medical costs at area hospitals.
Mid-tier cost-sharing plans balance monthly premiums and out-of-pocket costs for Asheboro working families with moderate incomes, and may qualify for enhanced federal subsidies based on Randolph County income levels.
Comprehensive, lower-deductible plans are ideal for Asheboro families with children or individuals managing chronic conditions who need predictable costs when visiting providers like Cone Health or Wake Forest Baptist Health.
Medicaid and NC Medicaid coverage is available to qualifying low-income Asheboro residents, particularly important given the city's 20.2 percent poverty rate and the thousands of uninsured community members.
Employer-sponsored plan alternatives on the ACA marketplace serve Asheboro residents whose workplace coverage is unaffordable or unavailable, offering access to Blue Cross NC networks that include Randolph County providers.
The Affordable Care Act Marketplace offers 17 plans in Asheboro, North Carolina for 2025. All plans cover the 10 essential health benefits including preventive care, emergency services, prescription drugs, and mental health coverage. Bronze plans in Asheboro, North Carolina start at approximately $491.92/month before subsidies. Silver plans start at $644.87/month. Gold plans start at $669.68/month. With a median household income of $48,628, many Asheboro, North Carolina residents qualify for premium tax credits.
Individual and Family plan premiums in Asheboro, North Carolina before subsidies: Bronze plans start at $491.92/month (lowest premiums, highest deductible); Silver plans start at $644.87/month (mid-range cost, eligible for cost-sharing reductions); Gold plans start at $669.68/month (higher premiums, lower out-of-pocket). Catastrophic coverage is also available for Asheboro, North Carolina residents under 30 or with a hardship exemption. Most Asheboro, North Carolina residents qualify for ACA premium tax credits that can significantly lower monthly costs. Health Plans of NC provides free personalized quotes with exact subsidy calculations.
For 2025, Blue Cross NC is the ACA marketplace carrier serving Asheboro, North Carolina, offering 17 individual and family health insurance plans through Rating Area 3. These plans include a variety of structures such as HMO, PPO, EPO, and Catastrophic options, giving Asheboro residents flexibility in how they access care and manage costs throughout the year. Blue Cross NC networks in Randolph County connect policyholders to key local health systems, including Randolph Health, Cone Health, and Wake Forest Baptist Health, making it critical to verify that your preferred providers are in-network before enrolling. Choosing the right plan structure directly affects whether Asheboro residents can continue seeing their existing doctors and specialists at nearby facilities without facing unexpected out-of-network costs. Health Plans of NC agents compare every available Blue Cross NC plan side-by-side at no cost, helping Asheboro residents identify the option that best fits their budget and provider preferences. With a median household income of $48,628 and an uninsured rate of 16.2 percent in Asheboro, working with a knowledgeable agent to find the most subsidy-eligible plan can make a meaningful difference in both monthly premiums and long-term financial security.
Blue Cross NC: the sole ACA marketplace carrier in Asheboro's Rating Area 3, offering 17 plans for 2025 with HMO, PPO, EPO, and Catastrophic options for individuals and families.
Bronze plans in Asheboro, North Carolina start at approximately $491.92/month before subsidies. Silver plans start at $644.87/month. Gold plans start at $669.68/month. With a median household income of $48,628, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Asheboro residents earning between 100 and 400 percent of the federal poverty level may qualify for premium tax credits that reduce monthly Blue Cross NC plan costs well below the $491.92 starting price.
Households with incomes up to 250 percent of the federal poverty level in Asheboro may also qualify for cost-sharing reductions, which lower deductibles and copays on mid-tier marketplace plans.
Some Asheboro residents with low household incomes may qualify for $0 premium plans after subsidies are applied, making coverage accessible even for those impacted by the city's 20.2 percent poverty rate.
Asheboro's median household income of $48,628 places many families in a subsidy-eligible range, meaning the actual cost of coverage is often far lower than the advertised starting premiums suggest.
With 4,000 uninsured Asheboro residents representing 16.2 percent of the population, subsidy-eligible individuals who remain uninsured may be leaving significant federal financial assistance unclaimed each year.
NC Medicaid provides no-cost or very low-cost coverage for qualifying Asheboro residents, including children, pregnant women, and individuals with disabilities, and is especially relevant given the community's poverty rate.
North Carolina expanded Medicaid in December 2023. Asheboro, North Carolina residents earning up to 138% of the federal poverty level may qualify for free or low-cost coverage. Currently 16.2% of Asheboro, North Carolina residents (about 4,000 people) are uninsured. Many may now qualify. Children in families earning up to 210% FPL may qualify for NC Health Choice (CHIP). Call Health Plans of NC for a free eligibility check.
Self-employed residents and small business owners in Asheboro, North Carolina have strong ACA coverage options. Self-employed individuals can deduct 100% of health insurance premiums from federal taxes.
Sole proprietors and freelancers: ACA Marketplace with full premium deduction
S-Corp owners: deduct premiums on Form 1040
Small businesses (1-50 employees): SHOP Marketplace group plans
Tax credit: up to 50% of premiums for businesses with fewer than 25 employees
Our Asheboro, North Carolina agents specialize in self-employed and small business coverage
Asheboro, North Carolina is home to 27,353 residents. The median household income is $48,628. The city has grown 0.0% since 2020. The uninsured rate is 16.2%. Health Plans of NC helps Asheboro, North Carolina residents find the right plan at no cost.
Asheboro, North Carolina ZIP Codes include: 27203, 27204, and 27205
