Find Your Most Affordable Health Insurance Plan in Alleghany County
in North Carolina
Alleghany County residents can compare 15 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 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 North Carolina
Find affordable health insurance in Alleghany County, NC with Health Plans of NC. Health Plans of NC helps residents of Alleghany County, NC compare and enroll in health insurance coverage, working with local employers like Parkdale Mills and health systems serving the Sparta area to make sure every resident has access to the right plan 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 |
Alleghany County is home to 11,075 residents, a community that has grown 1.7% since 2020 and includes 6.1% foreign-born residents who may need bilingual enrollment support when choosing coverage. Workers employed by major local employers including Alleghany County Schools, Alleghany County, Parkdale Mills, Bottomley Evergreens and Farms, and The Truss Shop may have access to employer-sponsored group health plans alongside ACA marketplace options. Hugh Chatham Memorial Hospital is a key health system serving this region, and understanding which coverage type connects residents to local and regional care is essential for making an informed enrollment decision.
ACA Marketplace coverage is available for Alleghany County residents who do not receive insurance through employers like Parkdale Mills or Alleghany County Schools and need individual or family plans.
Medicaid coverage is available for qualifying low-income adults and families in Alleghany County following North Carolina's Medicaid expansion, providing free or low-cost care at local providers.
Employer-sponsored group health plans are offered by major Alleghany County employers including Alleghany County Schools, Parkdale Mills, Bottomley Evergreens and Farms, and The Truss Shop for eligible workers and their dependents.
Short-term health coverage is an option for Alleghany County residents in temporary coverage gaps who need access to emergency and urgent care services at regional facilities.
COBRA continuation coverage allows residents who recently lost job-based insurance from an Alleghany County employer to temporarily extend their existing group health plan benefits.
Small business SHOP marketplace plans are available to qualifying small employers in Alleghany County who want to offer group coverage to their employees through the ACA marketplace.
For 2026, Alleghany County residents can choose from plans offered under two Blue Cross NC PPO networks, the Blue Advantage network and the Blue Care network, both of which connect enrollees to hospitals and specialists in Sparta and across the surrounding region. The Blue Advantage network provides the largest nationwide PPO coverage, reaching more than 95% of NC doctors in-network, while the Blue Care network offers broad statewide PPO access covering more than 92% of NC doctors in-network. Residents who travel to facilities like Alleghany Memorial Hospital in Sparta, Ashe Memorial Hospital in Jefferson, or Watauga Medical Center in Boone for care should verify their preferred providers are in-network before selecting a plan.
Blue Advantage, PPO network, connects Alleghany County residents to the largest nationwide provider network with more than 95% of NC doctors covered in-network, including access to regional hospitals and specialists.
Blue Care, PPO network, provides broad statewide coverage reaching more than 92% of NC doctors in-network, giving Alleghany County residents access to local and regional providers across western NC.
Both Blue Advantage and Blue Care PPO networks allow Alleghany County residents to access care at Alleghany Memorial Hospital in Sparta without needing a referral to see in-network specialists.
Residents relying on Ashe Memorial Hospital in Jefferson or Watauga Medical Center in Boone for specialty care should confirm those facilities participate in their chosen Blue Cross NC PPO network before enrolling.
Plans under both networks are available across multiple coverage tiers, giving Alleghany County residents the flexibility to choose a plan structure that fits their healthcare usage and budget.
Health Plans of NC agents can compare the Blue Advantage and Blue Care networks side by side to help residents confirm which Alleghany County and regional providers are included in each plan.
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.
Bronze plans start at $439.77 per month for a 35-year-old in Alleghany County, offering the lowest monthly premium with higher out-of-pocket costs when care is needed.
Silver plans start at $576.48 per month for a 35-year-old in Alleghany County and are the only tier eligible for cost-sharing reductions that lower deductibles and copays for qualifying residents.
Gold plans start at $604.90 per month for a 35-year-old in Alleghany County, providing lower out-of-pocket costs in exchange for a higher monthly premium.
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 the county's median household income.
Residents earning up to 150% of the federal poverty level may qualify for a $0 premium Silver plan under enhanced ACA subsidy rules, making comprehensive coverage available at no monthly cost.
Out-of-pocket maximums vary by plan tier, making it important for Alleghany County residents to compare total annual cost, not just the monthly premium, when selecting a plan.
Blue Cross NC is the only carrier offering ACA Marketplace plans in Alleghany County for 2026, with 15 plans available across multiple coverage tiers. These plans are structured around two PPO networks, Blue Advantage and Blue Care, each offering different levels of provider access for residents in and around Sparta. The Blue Advantage network connects Alleghany County enrollees to the largest nationwide provider network, which is especially valuable for residents who travel to major health systems for specialty care, while the Blue Care network offers broad statewide PPO access suited to residents whose care is centered closer to home. Choosing between these two networks directly affects which local and regional hospitals, clinics, and specialists are covered at in-network rates, making the network decision just as important as the premium tier. Health Plans of NC compares every available Blue Cross NC plan side by side at no cost so Alleghany County residents can make a fully informed choice.
Blue Cross NC (Blue Cross and Blue Shield of North Carolina), PPO plans under the Blue Advantage and Blue Care networks, 15 plans available in Alleghany County for 2026.
North Carolina expanded Medicaid in December 2023, extending free coverage to adults in Alleghany County earning up to 138% of the federal poverty level who previously fell outside eligibility thresholds. With an uninsured rate of 14.7%, representing approximately 2,000 Alleghany County residents without coverage, many individuals in the county may now qualify for Medicaid at no cost and may not yet know they are eligible. 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. Health Plans of NC can perform a free eligibility check for any Alleghany County resident who wants to find out whether they or their family members qualify for Medicaid or CHIP.
Working adults in Alleghany County earning at or below 138% of the federal poverty level are now eligible for free Medicaid coverage following North Carolina's Medicaid expansion.
Children in families across Alleghany County may qualify for NC Health Choice (CHIP) at low or no cost, depending on household size and income.
Pregnant women in Alleghany County are eligible for Medicaid coverage that begins before and extends after delivery, covering prenatal and postpartum care at qualifying providers.
Alleghany County has a poverty rate of 17.4%, meaning a significant share of residents may qualify for Medicaid or subsidized marketplace coverage depending on household income and size.
People with qualifying disabilities in Alleghany County may be eligible for Medicaid regardless of age, providing access to medical, behavioral, and long-term care services through the state program.
Health Plans of NC licensed agents serve Alleghany County residents at no cost, comparing every available plan side by side and guiding you through enrollment from start to finish. Call 800-797-0327 today to get personalized help finding the right coverage for your household.
Call 800-797-0327 (toll free) or 704-303-8256 to speak with a licensed agent and schedule a free appointment
Email [email protected] with questions about plans available in Alleghany County
Find a licensed agent and book directly at healthplansofnc.com/agents
No cost, no pressure. Health Plans of NC agents work for you, not the carrier.
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
