Find an Affordable Health Insurance Plan in Greensboro, North Carolina
in North Carolina
Nationwide (BlueCard®)
Blue Advantage® is a PPO health plan from Blue Cross and Blue Shield of North Carolina (Blue Cross NC) offering the company's largest nationwide network of doctors, specialists, and hospitals. More than 95% of North Carolina doctors and 98% of North Carolina hospitals are in-network, and coverage travels with you nationwide through the BlueCard® program, which is accepted in nearly 200 countries and territories worldwide.
Because it's a PPO, Blue Advantage gives you the fewest restrictions on which doctors you can see: no referrals to see a specialist, and out-of-network care is still covered (at a lower benefit level). It typically carries a higher premium than Blue Cross NC's in-state-only plans, so it's the plan we recommend when provider choice and nationwide access matter more than getting the lowest possible premium.
Blue Advantage is built for people who want the fewest restrictions on which doctors they can see. It's a strong fit if you travel frequently for work or split time between two states, have an established specialist relationship you don't want to disrupt, want emergency care covered at the in-network rate anywhere in the world, or simply value provider choice over the lowest possible monthly premium.
It's a weaker fit if you rarely leave North Carolina and don't need nationwide access. In that case, Blue Care offers nearly identical in-state provider access at a lower premium, and one of the regional Blue Home plans may lower your premium even further if your doctors belong to a single health system.
Nationwide network – Nationwide (BlueCard®)
Network: Anywhere in the U.S. and abroad2; 95%+ of NC doctors.1
Out-of-area care: Covered (lower benefit level).
Offered in Bronze, Silver, and Gold tiers.
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 in all North Carolina counties, except the following where it is available only off Marketplace: Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Orange, Person, and Wake.
Blue Advantage is a PPO, which means you don't need a referral to see a specialist, and you're never limited to a single network — you're just paying more if you step outside it. If you see an in-network provider, you get the plan's full benefit level. If you see someone out-of-network, the plan still pays, just at a reduced benefit level, and you're responsible for the difference.
Because Blue Cross NC has more than 95% of North Carolina doctors and 98% of North Carolina hospitals in-network, most members rarely need to use that out-of-network benefit — but it's there if your situation calls for it.
Blue Advantage is the only Blue Cross NC individual plan built for people who leave the state. Through the BlueCard® program, your in-network benefits travel with you anywhere in the U.S. — so if you split time between two states, have kids away at college, or travel for work, you're not stuck finding a new plan or a new doctor.
Emergency care is covered at the in-network rate worldwide, including in nearly 200 countries and territories through BlueCard Worldwide®.
Blue Advantage typically carries a higher premium than Blue Cross NC's in-state-only plans like Blue Care® or the regional Blue Home℠ plans. That's the trade-off for the broadest network and out-of-network safety net Blue Cross NC offers. Like every Blue Cross NC ACA plan, it's available in Bronze, Silver, and Gold tiers, and most applicants qualify for a premium tax credit that lowers the monthly cost based on income and household size.
If nationwide access isn't something you need, it's worth comparing Blue Advantage against Blue Care or a Blue Home plan first — you may get nearly identical in-state coverage for meaningfully less.
You can enroll during the annual Open Enrollment Period (November 1 – January 15) or during a Special Enrollment Period if you've had a qualifying life event — a job change, a move, a new dependent, or losing other coverage.
A licensed Health Plans of NC agent can confirm your specific doctors are in-network, check what subsidy you qualify for, and compare Blue Advantage against the other six Blue Cross NC plans with you — at no cost. Call 800-797-0327.
Blue Advantage is a PPO (Preferred Provider Organization) plan. That means you can see out-of-network providers — you’ll just pay more — and you generally don’t need a referral to see a specialist. It’s the most flexible network Blue Cross NC offers.
Yes. Blue Advantage includes nationwide in-network access through the BlueCard® program, and emergency care is always covered at the in-network benefit level no matter where you are — including in nearly 200 countries and territories worldwide.
Yes, Blue Advantage is available in all 100 North Carolina counties. In 25 of them it’s available off-Marketplace only, meaning you’d enroll directly (through an agent or Blue Cross NC) rather than through HealthCare.gov. A Health Plans of NC agent can handle either path for you.
Both give you nearly the same broad in-state network (about 95% of NC doctors), but Blue Advantage is a PPO that adds nationwide out-of-network coverage, while Blue Care is an HMO limited to North Carolina with no out-of-network benefit except emergencies. Blue Advantage costs a bit more for that added flexibility.
Our recommendation: choose Blue Advantage if you travel, split time between states, or want maximum provider choice; choose Blue Care if you stay in NC and want to save on premium.
Statewide NC network
Blue Care® is an HMO health plan from Blue Cross NC that offers the company's largest in-state network — more than 95% of North Carolina doctors and 98% of NC hospitals in-network — at a lower monthly premium than the nationwide Blue Advantage PPO.
The trade-off for that lower premium is that Blue Care keeps your care inside North Carolina: outside of urgent and emergency situations, only in-network NC providers are covered, and there's no out-of-network benefit. For NC residents who rarely travel, Blue Care delivers almost the same broad provider choice as Blue Advantage for less money — which is why we often recommend it as the best-value option for people who stay in-state.
Blue Care fits residents who live and receive their care entirely within North Carolina, want broad in-state provider choice without paying for nationwide coverage they won't use, and are comfortable with no out-of-network benefit outside of emergencies.
It's a poor fit if you split time between states, have kids at out-of-state college, or travel frequently for work — non-emergency care outside North Carolina isn't covered. If that's you, Blue Advantage is the better choice.
Statewide network – Statewide NC network
Network: North Carolina only. A large network, with more than 95% of North Carolina doctors and 98% of North Carolina hospitals in-network.
Out-of-area care: Emergency / urgent only.
Offered in Bronze, Silver, and Gold tiers.
Blue Care is available in all North Carolina counties, except: Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Orange, Person, and Wake.
Blue Care is an HMO built on Blue Cross NC's largest in-state network — more than 95% of North Carolina doctors and 98% of NC hospitals in-network. It's priced lower than the nationwide Blue Advantage PPO because it trades nationwide access for coverage that stays inside North Carolina.
Outside of emergency and urgent care, only in-network NC providers are covered — there's no out-of-network benefit to fall back on, so it's worth confirming your specific doctors participate before you enroll.
Blue Care is sold in every NC county except Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Orange, Person, and Wake — those counties fall inside the Triangle-area service area for the Blue Home℠ with UNC Health Alliance plan instead. If you live in one of the excluded counties, Blue Care isn't available to you regardless of which providers you use.
Because the in-state network is nearly as broad as Blue Advantage's, most Blue Care members never notice a difference in provider choice day to day — the difference only shows up if you need care outside North Carolina.
Blue Care's premium runs lower than Blue Advantage's specifically because it removes the nationwide and out-of-network safety net. It's offered in Bronze, Silver, and Gold tiers, and most applicants qualify for a premium tax credit that lowers the monthly cost based on income and household size.
You can enroll during the annual Open Enrollment Period (November 1 – January 15) or during a Special Enrollment Period if you've had a qualifying life event — a job change, a move, a new dependent, or losing other coverage.
A licensed Health Plans of NC agent can confirm your doctors are in-network, check your subsidy, and compare Blue Care against Blue Advantage and the regional plans — at no cost. Call 800-797-0327.
Yes. Blue Care is structured as an HMO with a statewide North Carolina network. Outside of urgent and emergency situations, care is only covered when you use in-network NC providers.
Only urgent and emergency care is covered outside your Blue Care network. Routine or non-emergency care while traveling out of state is not covered, so Blue Care is best for people who receive their care in North Carolina.
Blue Care isn’t offered in Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Orange, Person, or Wake counties. In several of those counties, Blue Home℠ with UNC Health Alliance is offered instead.
Charlotte / Piedmont · NC & SC
Blue Local℠ with Atrium Health is a Blue Cross NC plan built around Atrium Health's network of 20 hospitals and 700+ care locations across North and South Carolina. It includes two children's hospitals — Levine Children's Hospital (nationally ranked in 10 pediatric specialties) and Brenner Children's Hospital — plus the Atrium Health Wake Forest Baptist Comprehensive Cancer Center, one of only three comprehensive cancer centers in North Carolina.
This is a single-system regional plan offered at a lower premium, with only Atrium Health providers in-network. We especially recommend it for families who may need pediatric specialty care or comprehensive cancer care and live in one of the 17 eligible counties across the Charlotte and Piedmont regions.
Good fit if you have a child who needs or may need care at Levine or Brenner Children's Hospital, are managing a cancer diagnosis and want access to a comprehensive cancer center, or live in one of the 17 eligible counties across the Charlotte/Piedmont region.
Poor fit if your regular doctors are with CaroMont Health, Cone Health, or Novant Health — all three are out-of-network.
Regional network – Charlotte / Piedmont · NC & SC6
Network: Atrium Health only1 (incl. Levine Children’s4).
Out-of-area care: Emergency / urgent only.
Offered in Bronze, Silver, and Gold tiers.
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.
This plan is built around a single system, Atrium Health, which is what keeps the premium lower than Blue Cross NC's broad-network plans. Only Atrium Health providers are in-network — outside of emergency and urgent care, CaroMont Health, Cone Health, and Novant Health are not covered.
Atrium Health's network spans 20 hospitals and more than 700 care locations across North and South Carolina, including two children's hospitals — Levine Children's Hospital, nationally ranked in 10 pediatric specialties, and Brenner Children's Hospital — plus the Atrium Health Wake Forest Baptist Comprehensive Cancer Center, one of only three comprehensive cancer centers in North Carolina.
This makes it a particularly strong option for families who may need pediatric specialty care or anyone managing a cancer diagnosis, since that care is coordinated within one system rather than requiring referrals across networks.
The lower premium reflects the narrower, single-system network. It's offered in Bronze, Silver, and Gold tiers, and most applicants qualify for a premium tax credit based on income and household size.
This plan is available across 17 counties in the Charlotte and Piedmont regions. If your doctors are with CaroMont, Cone, or Novant instead, this plan won't cover them outside of an emergency.
You can enroll during the annual Open Enrollment Period (November 1 – January 15) or during a Special Enrollment Period if you've had a qualifying life event — a job change, a move, a new dependent, or losing other coverage.
A licensed Health Plans of NC agent can confirm your Atrium Health providers are in-network, check your subsidy, and compare this plan against Blue Advantage® and Blue Care® — at no cost. Call 800-797-0327.
Yes — Levine Children’s Hospital, nationally ranked in 10 pediatric specialties, is part of the in-network Atrium Health system on Blue Local℠ with Atrium Health, along with Brenner Children’s Hospital.
Yes — the Atrium Health Wake Forest Baptist Comprehensive Cancer Center is one of only three comprehensive cancer centers in North Carolina and is in-network on this plan.
Those systems are out-of-network on Blue Local℠ with Atrium Health. This plan only covers Atrium Health providers in-network, except for emergency and urgent care.
Guilford · Randolph · Rockingham
Blue Home℠ with Cone Health is a Blue Cross NC health plan built around Cone Health's provider network — one of the Piedmont Triad's largest and most comprehensive systems, with more than 150 locations including five hospitals, six ambulatory care centers, three outpatient surgery centers, 11 urgent care centers, and 120+ physician practices. Cone Health hospitals have been recognized by U.S. News & World Report as “High Performing” in key areas of care, and the system is ranked the top hospital network in the Greensboro/Winston-Salem metro area.
This is a single-system, regional plan: only Cone Health providers are in-network, which is what keeps the premium lower than broad-network plans. We recommend it when Cone Health is already your family's health system and you live in one of the three counties where it's offered.
This plan is a good fit if you already see Cone Health doctors and want a lower premium built around that network, live in Guilford, Randolph, or Rockingham County, and are comfortable committing to one coordinated health system in exchange for lower cost-sharing.
It's a poor fit if your regular doctors are with Atrium Health, Novant Health, or UNC Health — those systems are entirely out-of-network on this plan.
Regional network – Guilford · Randolph · Rockingham
Network: Cone Health system only.1, 2
Out-of-area care: Emergency / urgent only.
Offered in Bronze, Silver, and Gold tiers.
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).
Blue Home with Cone Health is available on and off Marketplace to residents of these North Carolina counties: Guilford, Randolph, and Rockingham.
This plan is built entirely around one health system: Cone Health. In exchange for that narrower, single-system network, the premium runs lower than Blue Cross NC's broad-network plans. Only Cone Health providers are in-network — outside of emergency and urgent care, care from any other system isn't covered.
Cone Health is the Piedmont Triad's largest and most comprehensive system, with more than 150 locations: five hospitals, six ambulatory care centers, three outpatient surgery centers, 11 urgent care centers, and 120+ physician practices. Its hospitals have been recognized by U.S. News & World Report as “High Performing” in key areas of care, and the system is ranked the top hospital network in the Greensboro/Winston-Salem metro area.
Because it's a single coordinated system, referrals, records, and specialist care tend to stay under one roof — a benefit for anyone managing an ongoing condition within that network.
The lower premium reflects the narrower network, not reduced benefits — Blue Home with Cone Health is offered in Bronze, Silver, and Gold tiers just like every other Blue Cross NC plan, and most applicants qualify for a premium tax credit based on income and household size.
This plan is only available in Guilford, Randolph, and Rockingham counties — if you live outside those three counties, it isn't an option regardless of which providers you use.
You can enroll during the annual Open Enrollment Period (November 1 – January 15) or during a Special Enrollment Period if you've had a qualifying life event — a job change, a move, a new dependent, or losing other coverage.
A licensed Health Plans of NC agent can confirm your Cone Health providers are in-network, check your subsidy, and compare this plan against Blue Advantage® and Blue Care® — at no cost. Call 800-797-0327.
Non-emergency care outside Cone Health isn’t covered on this plan. Only emergency and urgent care are covered at the in-network rate regardless of provider, so this plan works best if Cone Health is already your health system.
No — it’s offered only in those three counties. If you live elsewhere, a different Blue Home or Blue Value℠ plan may be a better fit. A Health Plans of NC agent can tell you which plans are available in your county.
No. Cone Health is an independent company solely responsible for the physicians and facilities in this network; it does not offer Blue Cross or Blue Shield products. Blue Cross NC partners with Cone Health to offer this lower-premium plan design.
Every Blue Cross NC individual plan comes in three “metal” tiers that describe how you and the plan split covered costs. Bronze plans have the lowest monthly premium but pay about 60% of covered costs, so you pay roughly 40% when you use care. Silver plans pay about 70% (you pay ~30%), and Gold plans pay about 80% (you pay ~20%) in exchange for a higher premium.
As a rule of thumb: Bronze suits people who rarely use care and want the lowest premium, Gold suits people who use regular or ongoing care, and Silver is the middle ground. Silver is also the only tier that unlocks Cost-Sharing Reductions (CSRs) — extra savings on deductibles and copays if your income qualifies — so many subsidy-eligible shoppers get the best overall value from a Silver plan. A licensed Health Plans of NC agent can run the numbers for your situation at no cost.
The most important step before choosing any plan is confirming your doctors, specialists, and preferred hospitals are in that plan’s network. Networks differ a lot between Blue Cross NC plans — a doctor who is in-network on one plan may be out-of-network, and far more expensive, on another.
You can check each plan’s provider directory on bcbsnc.com, or — the easier route — call a Health Plans of NC agent at 800-797-0327 and we’ll verify your specific providers before you enroll, at no charge.
Most North Carolinians who buy their own coverage qualify for a premium tax credit — a subsidy based on your income and household size that lowers what you pay each month. Subsidy amounts and eligibility rules can change from year to year, so the only way to know your real price is to run a personalized quote.
Health Plans of NC can check your subsidy eligibility and show you the after-subsidy premium for any of these plans for free. Call 800-797-0327 or request a quote online.
You can enroll during the annual Open Enrollment Period, which runs each fall (generally starting November 1) for coverage that begins the following year. Outside that window, you can still enroll if you have a qualifying life event — such as losing other coverage, moving, marriage, or having a baby — which opens a 60-day Special Enrollment Period.
Because enrollment dates and rules can change, it’s worth confirming the current deadline. A Health Plans of NC agent can tell you whether you’re eligible to enroll right now — call 800-797-0327.
Nothing. Health Plans of North Carolina is an independent, authorized agency licensed to sell Blue Cross NC plans, and our help — comparing plans, checking your doctors, estimating subsidies, and enrolling — is completely free to you. Agents are paid by the insurance company, and the plan price is the same whether you enroll with us or on your own.
Call 800-797-0327 to talk with a licensed local agent.
| Carrier | Distinct plans |
|---|---|
| Blue Cross and Blue Shield of NC | 30 |
| Ambetter of North Carolina | 14 |
| UnitedHealthcare | 13 |
| Cigna Healthcare | 10 |
| AmeriHealth Caritas Next | 8 |
| Oscar Health Plan of North Carolina | 8 |
| Total | 83 |
Source: CMS QHP Landscape PY2026, Individual Market Medical, updated August 26, 2026 (data.healthcare.gov). Counts distinct Plan IDs offered on the Marketplace in Guilford County, once per carrier.
in Guilford County
Health Plans of NC is a licensed insurance agency authorized by Blue Cross NC. Our agents help individuals, families and self-employed people in Greensboro, North Carolina compare health plans and apply for premium tax credits at no cost to you.
Find affordable health insurance in Greensboro, North Carolina with Health Plans of NC. Health Plans of NC helps Greensboro, North Carolina residents find and compare affordable health insurance plans that connect them to leading local providers like Cone Health and Novant Health. Whether you are enrolling for the first time or switching plans, our licensed agents guide you through every option at no cost.
Plan Network | Type | Network Coverage |
|---|---|---|
Blue Advantage® | PPO | Largest nationwide network, 95%+ of NC doctors in-network |
Blue Care® | HMO | Broad statewide network, 95%+ of NC doctors in-network |
Blue Local℠ with Atrium Health | EPO | Available in Greensboro, North Carolina |
Blue Home℠ with Cone Health | EPO | Available in Greensboro, North Carolina |
Greensboro, North Carolina is home to 298,564 residents, with no population growth since 2020 and 12.7 percent of residents born outside the United States, reflecting a diverse community with varying healthcare needs and coverage circumstances. Major employers such as Guilford County Schools, Cone Health, the City of Greensboro, FedEx, and the US Postal Service are primary sources of employer-sponsored coverage for many working residents. Health systems including Cone Health Moses Cone Hospital, Cone Health Wesley Long Hospital, Cone Health Annie Penn Hospital, and Novant Health anchor the local provider landscape, making the right plan network critical for maintaining access to preferred facilities.
ACA Marketplace plans through Blue Cross NC are available to Greensboro residents who are self-employed, uninsured, or lack access to affordable coverage through employers like FedEx or the US Postal Service.
Medicaid coverage provides free or very low-cost care for qualifying low-income Greensboro residents, with access to local health systems including Cone Health Moses Cone Hospital and Novant Health.
Employer-sponsored health insurance is a primary coverage source for many Greensboro workers, particularly those employed by large organizations such as Guilford County Schools or Cone Health.
Short-term health plans may serve as a temporary bridge for Greensboro residents between jobs or waiting for open enrollment, though they do not cover the full range of services available at Cone Health facilities.
COBRA continuation coverage allows recently separated Greensboro employees, including those who previously worked at the City of Greensboro or Guilford County Schools, to maintain their existing group plan for a limited period.
Small business SHOP Marketplace plans allow Greensboro employers with one to fifty employees to offer group health coverage, helping smaller firms compete with large employers like FedEx in attracting and retaining workers.
For 2026, Greensboro residents can choose from four distinct plan networks offered through Blue Cross NC, each providing different levels of provider access and network flexibility across PPO structures. Blue Advantage and Blue Care offer broad statewide and nationwide access, while Blue Local with Atrium Health and Blue Home with Cone Health provide locally focused networks built around Greensboro-area health systems. Selecting the right network ensures that Greensboro residents can access their preferred facilities, from Cone Health Wesley Long Hospital to Novant Health, without facing out-of-network cost penalties.
Blue Advantage, a PPO network, provides the largest nationwide network coverage with more than 95 percent of North Carolina doctors in-network, including providers affiliated with Cone Health and Novant Health in Greensboro.
Blue Care, an HMO network, offers broad statewide coverage with more than 95 percent of North Carolina doctors in-network, connecting Greensboro residents to providers across Cone Health Annie Penn Hospital and other local facilities.
Blue Local with Atrium Health, an EPO network, is available in Greensboro, North Carolina and focuses coverage on Atrium Health-affiliated providers, giving enrollees a locally anchored care option within the Greensboro area.
Blue Home with Cone Health, an EPO network, is available in Greensboro, North Carolina and is built around the Cone Health system, making it a strong fit for residents who regularly use Cone Health Moses Cone Hospital or Cone Health Wesley Long Hospital.
All four plan networks are ACA-compliant, and Blue Advantage, the PPO, gives Greensboro residents the flexibility to see out-of-network providers, though staying in-network at facilities like Novant Health will result in lower out-of-pocket costs; Blue Care, Blue Home with Cone Health and Blue Local with Atrium Health cover out-of-network care only for emergencies and urgent care.
Bronze plans in Greensboro, 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 $58,884, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans start at $491.92 per month for a 35-year-old in Greensboro before subsidies, offering the lowest monthly premiums with higher deductibles for residents who want protection against major medical events.
Silver plans start at $644.87 per month before subsidies and are the only tier eligible for cost-sharing reductions, making them potentially the highest-value option for Greensboro residents with moderate healthcare use.
Gold plans start at $669.68 per month before subsidies and feature lower deductibles and out-of-pocket maximums, benefiting Greensboro residents who anticipate frequent specialist visits or ongoing treatment.
Greensboro residents with household incomes up to 400 percent of the federal poverty level qualify for premium tax credits, and those above that threshold may still qualify under expanded subsidy rules extended through 2026.
Households near 150 percent of the federal poverty level may be eligible for a $0 premium Silver plan after tax credits, making comprehensive coverage available at no monthly cost for qualifying Greensboro families.
Out-of-pocket maximums for 2026 ACA plans cap the total annual cost exposure for Greensboro enrollees, providing a financial ceiling for those using high-cost facilities and services throughout the year.
For the 2026 plan year, Blue Cross NC is one of six ACA Marketplace carriers serving Greensboro, North Carolina, offering a total of 30 individual and family plans within Rating Area 3. These 30 plans are organized across four networks, including Blue Advantage, Blue Care, Blue Local with Atrium Health, and Blue Home with Cone Health, giving residents meaningful choices in how broadly or locally their coverage is structured. Blue Home with Cone Health is designed specifically around the Cone Health system, while Blue Local with Atrium Health connects enrollees to Atrium Health-affiliated providers in the Greensboro area, and Blue Advantage and Blue Care extend coverage to a much wider statewide and national provider base. The network you select directly determines whether providers at Cone Health Wesley Long Hospital, Cone Health Annie Penn Hospital, Novant Health, or other Greensboro facilities fall within your in-network tier, which significantly affects your total cost of care. Health Plans of NC compares all 30 Blue Cross NC plans side-by-side at no cost, helping Greensboro residents identify the best combination of network, tier, and premium for their specific healthcare situation.
Blue Cross NC: plans across four networks, offering 30 ACA Marketplace plans in Greensboro, North Carolina for 2026 within Rating Area 3.
North Carolina expanded Medicaid in December 2023, extending free or very low-cost coverage to adults earning up to 138 percent of the federal poverty level, which opened eligibility to tens of thousands of previously uninsured Greensboro residents. Currently, 9.1 percent of Greensboro residents, approximately 27,000 people, remain uninsured, and many may qualify for Medicaid or subsidized Marketplace coverage without realizing it. Children in families earning up to 210 percent of the federal poverty level may qualify for NC Health Choice, the state's CHIP program, providing low-cost coverage for pediatric care across Greensboro's provider network. Health Plans of NC offers free eligibility checks so Greensboro residents can quickly determine whether Medicaid, CHIP, or a subsidized Marketplace plan is the right fit for their household.
Working adults in Greensboro earning low wages, including part-time or seasonal workers, may now qualify for Medicaid under North Carolina's December 2023 expansion and should check eligibility with Health Plans of NC.
Children in Greensboro families with incomes above the Medicaid threshold but below 210 percent of the federal poverty level may qualify for NC Health Choice, providing affordable pediatric coverage through local providers.
Pregnant women in Greensboro may qualify for Medicaid coverage with an income threshold higher than the standard adult limit, ensuring access to prenatal and maternity care through Greensboro-area health systems.
Greensboro's poverty rate of 18.4 percent means a substantial share of residents may qualify for Medicaid or CHIP, making it important for low-income households to verify eligibility before purchasing a Marketplace plan.
Greensboro residents with disabilities or seniors with low income may qualify for Medicaid or dual-eligibility programs, providing coordinated coverage that works alongside Medicare for comprehensive care access.
Health Plans of NC licensed agents serve Greensboro, North Carolina residents at no cost, comparing every available plan side-by-side to find the best fit for your budget and healthcare needs. Call us today at 800-797-0327 to get personalized guidance and enroll in the right plan with confidence.
Call 800-797-0327 (toll free) to speak with a licensed Health Plans of NC agent serving Greensboro, North Carolina
Email [email protected] with questions about plans available in your zip code
Find a licensed agent and book directly at healthplansofnc.com/agents
No cost, no pressure. Compare every 2026 plan available in Greensboro, North Carolina at no charge.
Greensboro, North Carolina ZIP Codes include: 27395, 27401, 27402, 27403, 27404, 27405, 27406, 27407, 27408, 27409, 27410, 27411, 27412, 27413, 27415, 27416, 27417, 27419, 27420, 27425, 27427, 27429, 27435, 27438, 27455, 27480, 27495, 27497, 27498, and 27499
