Find Your Most Affordable Health Insurance Plan in Alleghany County
in North Carolina
Alleghany County residents can choose from two healthcare options: Blue Advantage and Blue Care.
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.
in North Carolina
Find affordable health insurance in Alleghany County, NC with Health Plans of NC. Alleghany County, NC is a rural mountain community where access to quality health insurance is essential for residents navigating a limited local healthcare landscape. Health Plans of NC helps Alleghany County residents compare coverage from Blue Cross NC, the carrier serving this market, across 15 available plans for 2025. With an uninsured rate of 14.7%, representing approximately 2,000 residents without coverage, finding the right plan is one of the most important financial decisions families in Sparta and across the county can make.
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 |
Alleghany County residents have access to a range of health insurance coverage types depending on income, employment status, age, and household size. Whether you receive care at Alleghany Health in Sparta, rely on the Alleghany County Health Department for public health services, or travel to regional hospitals like Ashe Memorial Hospital in Jefferson or Watauga Medical Center in Boone, the right plan can dramatically reduce out-of-pocket costs. Local residents can choose from 15 available plans through the ACA marketplace for 2025, along with Medicaid, Medicare, and employer-sponsored options tied to the county's major employers.
Marketplace coverage for low-to-moderate income residents who lack employer insurance and receive care at Alleghany Health or nearby regional hospitals like Hugh Chatham Memorial in Elkin or Northern Regional Hospital in Mount Airy.
Subsidized plans for individuals and families earning between 100% and 400% of the federal poverty level, which is especially relevant given Alleghany County's median household income of $44,272.
Medicaid coverage for qualifying low-income adults and families, including those near or below the county's 17.4% poverty rate who cannot afford marketplace premiums following North Carolina's Medicaid expansion in December 2023.
Employer-sponsored group health plans for workers employed by local businesses and institutions, including those connected to health systems and facilities serving Alleghany County residents.
Medicare Advantage and Medicare Supplement plans for Alleghany County's older residents, many of whom rely on Alleghany Health's inpatient, outpatient, and specialty clinic services for ongoing care.
Short-term and catastrophic coverage options for younger adults or those in coverage gaps who need access to emergency services at Alleghany Memorial Hospital or facilities like Hugh Chatham Memorial in Elkin or Northern Regional Hospital in Mount Airy.
For 2025, Blue Cross NC is the carrier serving the Alleghany County ACA marketplace, offering 15 available plans across multiple coverage tiers and plan structures including HMO, PPO, EPO, and catastrophic options. Blue Cross NC plan networks determine which local providers, hospitals, and specialists are covered, making it critical for Alleghany County residents to verify that facilities like Alleghany Memorial Hospital in Sparta, Ashe Memorial Hospital in Jefferson, and Watauga Medical Center in Boone are included before enrolling. Because many Alleghany County residents travel to regional centers in Boone, Elkin, Mount Airy, or Winston-Salem for specialty and advanced care, understanding how a Blue Cross NC plan's network covers both local and regional providers is essential. Selecting the wrong plan structure can result in significantly higher out-of-pocket costs for care at facilities like Hugh Chatham Memorial Hospital, Northern Regional Hospital, or the Atrium Health Wake Forest Baptist system. Health Plans of NC agents compare every available plan side-by-side at no cost, helping residents identify which Blue Cross NC plan best fits their provider relationships and budget. With a median household income of $44,272, a poverty rate of 17.4%, and approximately 2,000 uninsured residents, having expert guidance to navigate plan selection is especially important in a rural community like Alleghany County.
Blue Cross NC (Blue Cross and Blue Shield of North Carolina)
Bronze plans in Alleghany County start at approximately $439.77/month before subsidies. With a median household income of $44,272, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Marketplace plans in Alleghany County start at $439.77 per month before subsidies, a cost that premium tax credits can significantly reduce for residents earning near the county median of $44,272.
Premium tax credits are available to Alleghany County residents earning between 100% and 400% of the federal poverty level, covering a large portion of working families given local income levels.
Residents earning up to 150% of the federal poverty level may qualify for $0 premium marketplace plans under enhanced ACA subsidy rules, directly relevant to households near the county's 17.4% poverty rate.
North Carolina's Medicaid expansion, effective December 2023, covers adults earning up to 138% of the federal poverty level at no cost, providing a free coverage pathway for thousands of Alleghany County's approximately 2,000 uninsured residents.
Children in Alleghany County families earning up to 210% of the federal poverty level may qualify for NC Health Choice (CHIP), providing low-cost or no-cost coverage for minors in working households.
Out-of-pocket costs for care at Alleghany Health, Alleghany Memorial Hospital, and mental health providers like New River Behavioral Healthcare vary significantly by plan type, making careful plan selection critical for residents who rely on local providers.
Individual and Family plan premiums in Alleghany County before subsidies: Bronze plans start at $439.77/month (lowest premiums, highest deductible); Silver plans start at $576.48/month (mid-range cost, eligible for cost-sharing reductions); Gold plans start at $604.90/month (higher premiums, lower out-of-pocket). Catastrophic coverage is also available for Alleghany County residents under 30 or with a hardship exemption. Most Alleghany County residents qualify for ACA premium tax credits that can significantly lower monthly costs. Health Plans of NC provides free personalized quotes with exact subsidy calculations.
North Carolina expanded Medicaid in December 2023. Alleghany County residents earning up to 138% of the federal poverty level may qualify for free or low-cost coverage. Currently 14.7% of Alleghany County residents (about 2,000 people) are uninsured. Many may now qualify. Children in families earning up to 210% FPL may qualify for NC Health Choice (CHIP). Call Health Plans of NC for a free eligibility check.
Alleghany County is home to 11,075 residents. The median household income is $44,272. The county has grown 1.7% since 2020. The uninsured rate is 14.7%. 6.1% of residents are foreign-born. Health Plans of NC helps Alleghany County residents find the right plan at no cost.
Hospital | Address | Phone |
|---|---|---|
Alleghany Memorial Hospital | 233 Doctors St, Sparta, NC 28675 | (336) 372-5511 |
Ashe Memorial Hospital | 200 Hospital Ave, Jefferson, NC 28640 | (336) 846-7101 |
Atrium Health Wake Forest Bapt | 1 Medical Center Blvd, Winston Salem, NC 27157 | (336) 713-4500 |
Atrium Health Wake Forest Bapt | 1 Medical Center Blvd, Winston Salem, NC 27157 | (336) 716-2011 |
Atrium Health Wake Forest Bapt | 1370 W D St, North Wilkesboro, NC 28659 | (336) 651-8100 |
Atrium Health Wake Forest Bapt | Medical Center Blvd, Winston Salem, NC 27157 | (336) 716-2011 |
Atrium Health Wake Forrest | 250 Hospital Dr, Lexington, NC 27292 | (336) 248-5161 |
Davie Medical Ctr | 329 NC Highway 801 N, Bermuda Run, NC 27006 | (336) 998-1300 |
Hugh Chatham Memorial Hospital | 180 Parkwood Dr, Elkin, NC 28621 | (336) 527-7000 |
Lifebrite Community Hosp-Stks | 1570 NC 8 And 89 Hwy N, Danbury, NC 27016 | (336) 593-2831 |
Northern Regional Hospital | 830 Rockford St, Mount Airy, NC 27030 | (336) 719-7000 |
Novant Health Forsyth Med Ctr | 3333 Silas Creek Pkwy, Winston Salem, NC 27103 | (336) 718-5000 |
Novant Health Kernersville Med | 1750 Kernersville Medical Pkwy, Kernersville, NC 27284 | (336) 564-4000 |
Novant Health Med Park Hosp | 1950 S Hawthorne Rd, Winston Salem, NC 27103 | (336) 718-0785 |
Novant Health Rehab Hosp An | 2475 Hillcrest Center Cir, Winston Salem, NC 27103 | (336) 754-3500 |
Novant Health Thomasville Med | 207 Old Lexington Rd, Thomasville, NC 27360 | (336) 472-2000 |
Old Vineyard Behavioral Health | 3637 Old Vineyard Rd, Winston Salem, NC 27104 | (336) 794-3550 |
Stokes Reynolds Meml Hosp Inc | , Danbury, NC 27016 | (336) 593-5356 |
Watauga Medical Ctr | 336 Deerfield Rd, Boone, NC 28607 | (828) 262-4100 |
Clinic | Address | Phone |
|---|---|---|
Appalachian Regional | 194 Doctors Dr, Boone, NC 28607 | (828) 386-2663 |
Appalachian Regional | 200 Hospital Ave # 6, Jefferson, NC 28640 | (828) 386-2663 |
Atrium Health Wake Forest Bapt | 10 Medical Park Dr # 1, Lexington, NC 27292 | (336) 716-9253 |
Bethany Medical Ctr | 1908 Caudle Dr # 100, Mount Airy, NC 27030 | (336) 883-0029 |
Boone Urology Ctr | 400 Shadowline Dr # 103-104, Boone, NC 28607 | (828) 264-5150 |
Cone Health Medcenter Krnrsvll | 1635 N Carolina Highway 66 S, Kernersville, NC 27284 | (336) 992-5100 |
Cone Health Medcenter Krnrsvll | 1635 NC 66 S, Kernersville, NC 27284 | (336) 992-5100 |
Cone Health Outpatient Rehab | 1635 N Carolina 66 # 255, Kernersville, NC 27284 | (336) 992-4820 |
Department Of Emergency Med | Medical Center Blvd, Winston Salem, NC 27157 | (336) 716-4625 |
Harmony Center For Women | 381 Deerfield Rd, Boone, NC 28607 | (828) 268-8970 |
Hoots Memorial Hospital | , Yadkinville, NC 27055 | (336) 679-6728 |
Lexington Medical Ctr | 811 W Main St, Lexington, NC 27293 | (803) 936-7203 |
Lung Center | 870 State Farm Rd # 100, Boone, NC 28607 | (828) 386-2746 |
Novant Health Bariatric Sltns | 760 Highland Oaks Dr # 200, Winston Salem, NC 27103 | (336) 277-4380 |
Novant Health Ortho-Sports | 7138 Village Medical Cir, Clemmons, NC 27012 | (336) 893-2400 |
Sneak-A-Peek | 2501 Neudorf Rd, Clemmons, NC 27012 | (336) 247-5141 |
Thomasville Medical Ctr | 6233 Denton Rd, Thomasville, NC 27360 | (336) 476-2537 |
Wake Forest Bapt Health Davie | 329 N Carolina Highway 801 N, Bermuda Run, NC 27006 | (336) 998-1300 |
Watauga Medical Ctr Outpatient | 1200 State Farm Rd, Boone, NC 28607 | (828) 262-4153 |
WFU Baptist Medical Ctr | Medical Center Blvd, Winston Salem, NC 27157 | (336) 713-7700 |
WFU Baptist Medical Ctr | Orthopaedic Surgery, Winston Salem, NC 27157 | (336) 716-2093 |
WFUBMC | 1450 Professional Park Dr, Winston Salem, NC 27103 | (336) 659-2701 |
Wilkes Regional Med Ctr Axlry | 500 Courthouse Dr, Wilkesboro, NC 28697 | (336) 651-8100 |
Wilkes Regional Medical Ctr | 1370 W D St, North Wilkesboro, NC 28659 | (336) 651-8100 |
Alleghany County ZIP Codes include: 28623, 28627, 28644, 28663, 28668, and 28675
