Find Your Most Affordable Health Insurance Plan in High Point, North Carolina
in North Carolina
in Guilford County, Davidson County, Forsyth County, and Randolph County
Find affordable health insurance in High Point, North Carolina, NC with Health Plans of NC. Health Plans of NC helps High Point, North Carolina residents find and enroll in the right health insurance coverage for 2026, with licensed agents who understand the local care landscape including Cone Health and Novant Health facilities serving the community.
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 High Point, North Carolina |
Blue Home with Cone Health | PPO | Available in High Point, North Carolina |
High Point, North Carolina, a city of 115,263 residents that has seen 0.0% population growth since 2020, offers multiple pathways to health coverage ranging from ACA Marketplace plans to employer-sponsored benefits provided by major local employers such as Guilford County Schools, Cone Health, the City of Greensboro, FedEx, and the US Postal Service. With 14.2% of residents being foreign-born, multilingual enrollment support and culturally accessible coverage options are especially important in this community. 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 and are accessible through several coverage types.
ACA Marketplace coverage gives High Point, North Carolina individuals and families access to comprehensive plans through Blue Cross NC, connecting enrollees to Cone Health and Novant Health providers.
Medicaid coverage is available to qualifying low-income High Point, North Carolina residents following North Carolina's Medicaid expansion in December 2023, providing access to local health systems at little or no cost.
Employer-sponsored insurance through major High Point, North Carolina employers such as Guilford County Schools and FedEx provides group health benefits that often include access to Cone Health Moses Cone Hospital and Novant Health.
COBRA continuation coverage allows High Point, North Carolina residents who recently lost job-based insurance to maintain their existing plan and provider relationships, including access to Cone Health Wesley Long Hospital.
Short-term health plans may serve as a temporary bridge for High Point, North Carolina residents between jobs or waiting for an ACA enrollment period, though they do not cover all essential health benefits.
Small business SHOP Marketplace plans are available to High Point, North Carolina employers with one to fifty employees, allowing local businesses to offer group coverage connected to Cone Health Annie Penn Hospital and other area providers.
For 2026, High Point, North Carolina residents have access to ACA Marketplace plans through Blue Cross NC across four distinct plan networks, including Blue Advantage, Blue Care, Blue Local with Atrium Health, and Blue Home with Cone Health, each designed to connect enrollees with different combinations of local hospitals and medical groups. These networks include PPO structures that give High Point residents varying levels of flexibility when accessing primary care, specialist visits, and hospital services across the region. Health Plans of NC agents help residents compare each network side by side to ensure their preferred local providers, such as those within the Cone Health or Novant Health systems, remain in-network before they enroll.
Blue Advantage, a PPO network, offers the largest nationwide coverage footprint and connects High Point, North Carolina enrollees to the broadest range of local and regional providers, including Cone Health and Novant Health facilities.
Blue Care, a PPO network, provides broad statewide access and is well suited for High Point, North Carolina residents who see providers across multiple Cone Health or Novant Health campuses throughout the region.
Blue Local with Atrium Health, a PPO network, is available in High Point, North Carolina and is designed for residents who receive care primarily through Atrium Health affiliated providers in the greater Piedmont region.
Blue Home with Cone Health, a PPO network, is available in High Point, North Carolina and is tailored for residents whose care is centered within the Cone Health system, including Cone Health Moses Cone Hospital and Cone Health Wesley Long Hospital.
All four plan networks cover the ten essential health benefits required by the ACA, including preventive care, emergency services, prescription drugs, and mental health services at participating High Point, North Carolina providers.
Bronze plans in High Point, 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 $61,228, 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 High Point, North Carolina before subsidies, offering the lowest monthly premium with higher out-of-pocket costs when care is needed.
Silver plans start at $644.87 per month before subsidies and are the only tier eligible for cost-sharing reductions, which lower deductibles and copays for qualifying High Point, North Carolina residents.
Gold plans start at $669.68 per month before subsidies and are best suited for High Point, North Carolina residents who use medical services frequently and prefer lower out-of-pocket costs at the point of care.
High Point, North Carolina residents with household incomes between 100% and 400% of the federal poverty level qualify for ACA premium tax credits that can reduce monthly costs well below the published starting prices.
Residents with incomes up to 250% of the federal poverty level may qualify for enhanced cost-sharing reductions on Silver plans, making those plans especially valuable for many High Point, North Carolina households near the city median income.
Some High Point, North Carolina residents qualifying for the most generous premium tax credits may find their net Silver plan premium reduced to $0 per month, making comprehensive coverage effectively free after credits are applied.
For 2026, Blue Cross NC is the ACA Marketplace carrier serving High Point, North Carolina, offering a total of 17 individual and family health insurance plans across Rating Area 3. These 17 plans are structured across four plan networks, specifically Blue Advantage, Blue Care, Blue Local with Atrium Health, and Blue Home with Cone Health, giving High Point residents meaningful choices in how they access local care. Each network connects enrollees to different combinations of High Point, North Carolina area hospitals and health systems, so the network a resident selects directly affects whether providers like those within the Cone Health or Novant Health systems are covered at in-network rates. Choosing the wrong network can result in unexpected out-of-network costs, particularly for residents who depend on specialized facilities in the High Point area. Health Plans of NC agents compare every available Blue Cross NC plan side by side at no cost to the consumer, ensuring each resident selects the plan with the best network fit and lowest overall cost for their situation.
Blue Cross NC, PPO plans across Blue Advantage, Blue Care, Blue Local with Atrium Health, and Blue Home with Cone Health networks, 17 plans total available in High Point, North Carolina for 2026.
North Carolina expanded Medicaid in December 2023, allowing High Point, North Carolina adults with household incomes at or below 138% of the federal poverty level to qualify for comprehensive coverage at little to no cost. Currently, 11.5% of High Point, North Carolina residents, approximately 13,000 people, remain uninsured, and many of them may already be eligible for Medicaid or a subsidized Marketplace plan without knowing it. Children in families earning up to 210% of the federal poverty level may qualify for NC Health Choice, the state's CHIP program, which provides low-cost coverage for routine and preventive pediatric care. Health Plans of NC offers free eligibility checks so High Point, North Carolina residents can quickly determine whether they qualify for Medicaid, CHIP, or an ACA Marketplace plan.
Working adults in High Point, North Carolina who are employed part-time or seasonally and earn at or below 138% of the federal poverty level may qualify for NC Medicaid at no monthly premium.
Children in High Point, North Carolina families earning up to 210% of the federal poverty level may be eligible for NC Health Choice, providing affordable pediatric coverage through local Cone Health and Novant Health providers.
Pregnant women in High Point, North Carolina may qualify for Medicaid coverage during pregnancy and for a period following birth, regardless of immigration status in some circumstances, ensuring access to prenatal care.
High Point, North Carolina has a poverty rate of 14.7%, meaning a significant share of the city's residents may qualify for Medicaid, CHIP, or enhanced ACA subsidies and should complete a full eligibility review.
People with disabilities in High Point, North Carolina who meet income and functional requirements may qualify for Medicaid, providing access to a broad range of medical, behavioral health, and long-term services through local providers.
Health Plans of NC licensed agents serve High Point, North Carolina residents at no cost, comparing every available 2026 plan side by side and guiding each person through enrollment from start to finish. Call 800-797-0327 today to speak with a local agent who can identify your best plan, calculate your exact subsidy, and help you enroll in minutes.
Call 800-797-0327 (toll free) to speak with a licensed Health Plans of NC agent serving High Point, North Carolina
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High Point, North Carolina ZIP Codes include: 27260, 27261, 27262, 27263, 27264, 27265, and 27268
