Find Your Most Affordable Health Insurance Plan in Statesville, North Carolina
in North Carolina
Iredell County residents can compare 16 health insurance options for 2026.
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 Value is a good fit if you are flexible about which doctors you see – or if your doctor or hospital is part of this smaller network. The network is statewide, making it easy to get in-network care if you travel or have a child away at college within North Carolina.
Limited statewide network for savings
Network includes, but is not limited to, Atrium Health Wake Forest Baptist, CaroMont Health, Duke LifePoint Healthcare, Novant Health and UNC Health Alliance.
The following doctor/hospital networks are considered out-of-network for Blue Value: Atrium Health (not including Atrium Health Wake Forest Baptist), Duke Health and WakeMed. Out-of-state providers are also out-of-network. 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 covered services will be covered at the out-of-network benefit level.
Blue Value is available on and off Marketplace to residents of these North Carolina counties: Alexander, Brunswick, Burke, Caldwell, Catawba, Cleveland, Columbus, Duplin, Gaston, Iredell, Lincoln, New Hanover, Onslow, Pender, and Surry.
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.
in Iredell County
Find affordable health insurance in Statesville, North Carolina, NC with Health Plans of NC. Health Plans of NC helps Statesville, North Carolina residents find and compare affordable health coverage for 2026, including plans that connect to local providers at Iredell Health System. Whether you work for one of Statesville's major employers or are self-employed, licensed agents are available at no cost to guide you through every available option.
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 Value | HMO | Value-focused HMO with lower premiums |
Statesville, North Carolina is home to 29,161 residents, with a population growth rate of 0.0 percent since 2020 and a foreign-born resident share of 11.4 percent, reflecting a diverse community with varied healthcare needs and language preferences. Major employers including Lowe's Companies, Iredell-Statesville Schools, Walmart, Iredell Health, and Lowe's Home Centers provide a mix of employer-sponsored coverage and self-employed situations for local workers. Statesville residents can also access care through Iredell Health System, Lake Norman Regional Medical Center, and Atrium Health, making network compatibility an important factor when choosing a coverage type.
ACA Marketplace coverage is available to Statesville residents who are not covered through an employer, connecting enrollees to local facilities like Iredell Health System and Lake Norman Regional Medical Center.
Medicaid provides low-cost or no-cost coverage for eligible low-income Statesville adults and families, especially relevant for those not employed by major local employers like Iredell Health or Lowe's Companies.
Employer-sponsored health insurance through large Statesville employers such as Iredell-Statesville Schools and Walmart often provides group coverage as a core workplace benefit for eligible employees.
Short-term health plans can serve Statesville residents in temporary coverage gaps, such as those recently separated from a position at a major local employer awaiting a new plan start date.
COBRA continuation coverage allows former employees of Statesville employers, including those who worked at Lowe's Home Centers or Iredell Health, to maintain their prior group plan for a limited period after separation.
Small business SHOP Marketplace plans give Statesville small business owners a structured way to offer group coverage to employees, supporting local commerce independent of the major employer base.
For 2026, Statesville, North Carolina residents have access to three Blue Cross NC plan networks: Blue Advantage, Blue Care, and Blue Value, each offering a different balance of provider access and cost structure. Blue Advantage and Blue Care operate as PPO plans, giving enrollees broad flexibility to visit local facilities including Iredell Health System, Lake Norman Regional Medical Center, and Atrium Health at in-network rates. Blue Value is an HMO plan designed for cost-conscious residents who are comfortable working within a defined network of local providers.
Blue Advantage, a PPO plan, provides the largest nationwide network with access to 95 percent or more of North Carolina doctors, including providers at Iredell Health System and Atrium Health.
Blue Care, a PPO plan, offers a broad statewide network covering 92 percent or more of North Carolina doctors, connecting Statesville residents to providers at Lake Norman Regional Medical Center and beyond.
Blue Value, an HMO plan, focuses on value-driven coverage with lower premiums, structured around a defined local network suited for Statesville residents who prefer coordinated care.
PPO plans like Blue Advantage and Blue Care allow Statesville residents to see specialists at Atrium Health or Iredell Health System without a referral, offering greater scheduling flexibility.
HMO coverage under Blue Value requires care coordination through a primary care physician, which can streamline care for Statesville residents who regularly use a single local health system.
All three plan networks cover the ten essential health benefits required under the ACA, including preventive care, emergency services, mental health coverage, and prescription drugs at local Statesville pharmacies.
Bronze plans in Statesville, North Carolina start at approximately $463.63/month before subsidies. Silver plans start at $593.60/month. Gold plans start at $626.35/month. With a median household income of $55,492, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans starting at $463.63 per month offer the lowest monthly premiums in Statesville, making them a practical choice for generally healthy residents who want catastrophic protection at minimal monthly cost.
Silver plans starting at $593.60 per month are the only tier eligible for cost-sharing reductions, which lower deductibles and copays for qualifying lower-income Statesville residents beyond the premium reduction alone.
Gold plans starting at $626.35 per month carry higher monthly premiums but significantly lower out-of-pocket costs, making them cost-effective for Statesville residents who anticipate frequent medical visits throughout the year.
Statesville residents with incomes near the city median of $55,492 often qualify for premium tax credits that reduce marketplace plan costs well below the published starting prices for Bronze, Silver, and Gold tiers.
Households with incomes between 100 and 150 percent of the federal poverty level in Statesville may qualify for a zero-dollar premium Silver plan after advanced premium tax credits are applied.
All marketplace plans in Statesville include a federally set annual out-of-pocket maximum, which caps total spending and protects residents from unlimited costs in high-utilization years.
Blue Cross NC is the sole ACA Marketplace carrier serving Statesville, North Carolina for 2026, offering a total of 16 individual and family health plans across multiple coverage tiers in Rating Area 5. These 16 plans are organized across three distinct networks, Blue Advantage, Blue Care, and Blue Value, each structured as either a PPO or HMO to give residents meaningful choices in how their provider access is configured. Blue Advantage and Blue Care PPO networks connect Statesville enrollees to a broad range of in-state and national providers, while the Blue Value HMO network is built around coordinated local care. The network a Statesville resident selects directly determines which providers at Iredell Health System, Lake Norman Regional Medical Center, and Atrium Health can be visited at in-network rates, making plan selection a consequential decision beyond monthly cost alone. Health Plans of NC compares every available Blue Cross NC plan side-by-side at no cost, so Statesville residents can evaluate all 16 options together with full clarity on network, tier, and structure.
Blue Cross NC, offering PPO plans under Blue Advantage and Blue Care networks and an HMO plan under Blue Value, with 16 total plans available in Statesville, North Carolina for 2026.
North Carolina expanded Medicaid in December 2023, extending free or low-cost coverage to adults in Statesville earning up to 138 percent of the federal poverty level who were not previously eligible. Currently 15.2 percent of Statesville residents, approximately 4,000 people, remain uninsured, and many may now qualify for Medicaid or subsidized marketplace coverage they have not yet explored. Children in Statesville families earning up to 210 percent of the federal poverty level may qualify for NC Health Choice, the state's CHIP program, providing comprehensive low-cost coverage for minors. Health Plans of NC offers free eligibility checks for Statesville residents who want to determine whether they or their children qualify for Medicaid, CHIP, or marketplace subsidies.
Working adults in Statesville who recently lost job-based coverage may now qualify for Medicaid under North Carolina's expanded eligibility rules if their income falls within the threshold.
Children in lower-income Statesville households are often eligible for NC Health Choice, providing dental, vision, and medical coverage at little to no cost to the family.
Pregnant women in Statesville may qualify for Medicaid coverage throughout pregnancy and for a period after delivery under specific income-based eligibility rules that Health Plans of NC can help assess.
Statesville has a poverty rate of 16.4 percent, meaning a meaningful share of local residents may qualify for Medicaid or heavily subsidized marketplace plans and benefit from a free eligibility review.
Adults in Statesville with disabilities or low income who are approaching Medicare age may qualify for dual-coverage programs that combine Medicaid and Medicare benefits to minimize out-of-pocket costs.
Health Plans of NC licensed agents serve Statesville, North Carolina residents at no cost, comparing every available 2026 plan side-by-side to find the right fit for your budget, health needs, and preferred local providers. Call 800-797-0327 today to speak with an agent who can walk you through enrollment and ensure you do not miss any available savings.
Call 800-797-0327 (toll free) to speak with a licensed Health Plans of NC agent serving Statesville, 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 Statesville, North Carolina at no charge.
Statesville, North Carolina ZIP Codes include: 28625, 28677, and 28687
