Find Your Most Affordable Health Insurance Plan in Greensboro, North Carolina
in North Carolina
Guilford County residents can compare 17 health insurance options for 2026.
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 Care is available in all North Carolina counties, except: Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Orange, Person, and Wake.
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 Guilford County
Find affordable health insurance in Greensboro, North Carolina, NC 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 | PPO | Broad statewide network, 92%+ of NC doctors in-network |
Blue Local with Atrium Health | PPO | Available in Greensboro, North Carolina |
Blue Home with Cone Health | PPO | 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 PPO access, while Blue Local with Atrium Health and Blue Home with Cone Health provide locally focused PPO 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, a PPO network, offers broad statewide coverage with more than 92 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, a PPO 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, a PPO 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 PPO structures, meaning Greensboro residents have 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.
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 the sole ACA Marketplace carrier serving Greensboro, North Carolina, offering a total of 17 individual and family plans within Rating Area 3. These 17 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 17 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: PPO plans across four networks, offering 17 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
