Find Your Most Affordable North Carolina Health Insurance Plan

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Winston-Salem, North Carolina

in Forsyth County

Winston-Salem, North Carolina, has a population of approximately 250,000 people. The city offers affordable housing (including several historic neighborhoods, such as West End and Ardmore), various job opportunities, and some excellent school options, including Early College of Forsyth, ranked the second-best high school in the state by U.S. News & World Report in 2021. Around 21% of the population is under 18 years old. With a median household income of $47,753, the cost of living that's 8.3% lower than the national average, and a low unemployment rate of 3.6%, it's easy to see why it's such a popular place to live if you have a family.

Winston-Salem is home to several top employers, including Wake Forest Baptist Health, which employs over 13,000 locals. Some outstanding healthcare facilities are nearby, including Wake Forest Baptist Medical Center, which is consistently ranked as one of the top hospitals in the country, and Novant Health Forsyth Medical Center and Novant Health Clemmons Medical Center.

There are many fun things for young families to do in and around Winston-Salem, including the Reynolda House Museum of American Art, which offers various exhibits and events suitable for all ages. The Children's Museum of Winston-Salem is another excellent option that offers hands-on interactive exhibits and activities for kids. Music-loving families can also visit the Winston-Salem Symphony, attend a Dash minor league baseball game, or explore the gardens at Tanglewood Park. Winston-Salem is located in Forsyth County and has several zip codes, including 27101, 27103, and 27105. Other zip codes in the area include 27104, 27106, and 27107.

Plans Available

in Forsyth County
Blue Advantage logo

Best for

Good option if you want a broad choice of in-network doctors, specialists and hospitals.

Network

Our largest statewide network. Full statewide network with the most provider choice. More than 95% of doctors and 98% of hospitals in North Carolina are in-network (A1)

Availability

Blue Advantage Map

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 Home with Novant Health logo

Best for

Good option if you wish to get care from Novant Health’s provider network and it’s affiliated doctors and hospitals. (B1)

Since the majority of doctors in this plan are in the same network, it's easier for them to work together on your behalf.

Network

  • Over 2,300 physicians

  • Nearly 800 locations, including Novant Health’s not-for-profit integrated system of 18 medical centers. (B2)

  • All doctors outside the Novant Health provider network are considered out-of-network for Blue Home with Novant Health, including: Atrium Health, Cone Health, CaroMont Health and Wake Forest Baptist Health. Out-of-state providers are also out-of-network. When traveling outside of North Carolina or the U.S., only emergency services 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.

Availability

Blue Home with Novant Health Map

Blue Home with Novant Health is available on and off Marketplace to residents of these North Carolina counties: Cabarrus, Davidson, Forsyth, Mecklenburg, Rowan, Stokes, Union, and Yadkin.

Blue Local with Wake Forest Baptist Health Logo

Best for

Good option if you wish to get care from Wake Forest Baptist Health and its affiliated doctors and hospitals (D1)

Since the majority of doctors in this plan are in the same system, it’s easier for them to work together on your behalf.

Network

  • Hospitals and providers including 2,100 physicians (D2)

  • Includes Wake Forest Baptist Hospital, an academic medical center, five community hospitals, Brenner Childen’s Hospital

  • Includes Wake Forest Baptist Hospital, an academic medical center, five community hospitals, Brenner Children’s Hospital

  • More than 300 primary care and specialty clinics

  • One of only 3 comprehensive cancer centers in North Carolina

  • All doctors outside the Wake Forest Baptist Health provider network are considered out-of-network for Blue Local with Wake Forest Baptist Health, including: Cone Health and Novant Health. Out-of-state providers are also out-of-network. When traveling outside of North Carolina or the U.S., only emergency services 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.

Availability

Blue Local with Wake Forest Baptist Health Map

Blue Local with Wake Forest Baptist Health is available on and off Marketplace to residents of these North Carolina counties: Davidson, Davie, Forsyth, Guilford, Randolph, Stokes, Wilkes, and Yadkin.

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Individual/Family Common Questions

North Carolina Healthcare News & Guides

Individual & Family Plans
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Individual/Family, Affordable Care Act

What You Need to Know About Health Insurance If You’re Self-Employed

In the United States, approximately 16 million workers identify as being self-employed. Self-employment can offer many benefits, including greater flexibility and being your own boss. It also provides an entryway to entrepreneurship and small business ownership.
HealthPlans of NC

Health Plans of NC, Kelly Quinn

Health

What Is Individual Health Insurance?: A Complete Guide

When it comes to overall health and well-being, an individual health insurance plan may be the right option for you. While it may seem expensive with potential out-of-pocket costs, it is worth having. With a proper health insurance plan, you can rest assured, as you will be covered for a variety of services and procedures. But what is individual health insurance, and what does it cover?
With the help of a knowledgeable insurance agent, you can find a plan that is both affordable and provides extensive coverage.
The Importance of Receiving Health Insurance in North Carolina
HealthPlans of NC

Health

How Much Is Individual Health Insurance? A Complete Guide

There are several options you must consider when choosing a health insurance plan. Many people receive coverage through their workplace. On the other hand, for the elderly or retired, Medicare (a public health program created by the federal government) might be the most suitable. However, there are also individual plans available from health insurance companies. But, how much is individual health insurance, and what does it cover?
Recently, this option has gained traction as it provides greater customization opportunities and flexibility within different plans. In the following, we will explain what individual health insurance is, how much it costs, and why it might be the right choice for you.
Why Consider Getting Individual Health Insurance
HealthPlans of NC

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Footnotes

A1. Blue Cross NC Provider Internal Data; percentages indicated represent Blue Cross NC's PPO Network as of July 22, 2022. Note: Not all plans are available in all areas.

B1. Blue Cross NC has collaborated with Novant Health to bring you Blue Home with Novant Health. Blue Home with Novant Health is a health insurance plan offered by Blue Cross NC that provides access to a limited network of providers. Novant Health is an independent company that is solely responsible for the physicians and medical facilities it owns and operates. Novant Health does not offer Blue Cross or Blue Shield products or services.

B2. NovantHealth, www.novanthealth.org/home/about-us/company-information.aspx (Accessed August 2022).

C1. Blue Cross NC has collaborated with Atrium Health to bring you Blue Local with Atrium Health. Blue Local with Atrium Health is a health insurance plan offered by Blue Cross NC that provides access to Atrium Health’s limited network of providers. Atrium Health is an independent company that is solely responsible for the physicians and medical facilities it owns/operates and does not offer Blue Cross or Blue Shield products or services.

C2. U.S. News & World Report, www.health.usnews.com/best-hospitals/area/nc/levine-childrens-hospital-PA6360280 (Accessed September 2022).

C3. AtriumHealth, www.atriumhealth.org/about-us/newsroom/news/2020/07/atrium-health-earns-multiple-honors-by-us-news-world-report (Accessed September 2022).

C4. AtriumHealth, www.atriumhealth.org/about-us (Accessed September 2022).

D1. Blue Cross NC has collaborated with Wake Forest Baptist Health to bring you Blue Local with Wake Forest Baptist Health. Blue Local with Wake Forest Baptist Health is a health insurance plan offered by Blue Cross NC that provides access to a limited network of providers. Wake Forest Baptist Health is an independent company that is solely responsible for the physicians and medical facilities it owns and operates. Wake Forest Baptist Health does not offer Blue Cross or Blue Shield products or services.

D2. WakeForestBaptistHealth, www.wakehealth.edu/-/media/WakeForest/Clinical/Files/About-Us/2019FactBook.pdf (Accessed September 2022).

E1. Blue Cross NC has collaborated with UNC Health Care to bring you Blue Home with UNC Health Alliance. Blue Home with UNC Health Alliance is a health insurance plan offered by Blue Cross NC that provides access to a limited network of providers. UNC Health Care is an independent company that is solely responsible for the physicians and medical facilities it owns and operates. UNC Health Care does not offer Blue Cross or Blue Shield products or services.

E2. UNC Health, www.unchealthcare.org/health-alliance/ (Accessed August 2022).

E3. U.S. News and World Report, www.health.usnews.com/best-hospitals/area/nc/university-of-north-carolina-hospitals-6360260 (Accessed September 2022).

E4. U.S. News and World Report, www.health.usnews.com/best-hospitals/area/nc/rex-healthcare-6361210 (Accessed September 2022).

U9144b, 9/22

Winston-Salem, North Carolina ZIP Codes include: 27101, 27102, 27103, 27104, 27105, 27106, 27107, 27108, 27109, 27110, 27111, 27113, 27114, 27101, 27102, 27103, 27104, 27105, 27106, 27107, 27108, 27109, 27110, 27111, 27113, 27114, 27115, 27116, 27117, 27120, 27127, 27130, 27150, 27151, 27152, 27155, 27156, 27157, 27198, 27199, 27116, 27117, 27120, 27127, 27130, 27150, 27151, 27152, 27155, 27156, 27157, 27198, and 27199

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