Find Your Most Affordable Health Insurance Plan in Ashe County
in North Carolina
Ashe 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 Ashe County, NC with Health Plans of NC. Health Plans of NC helps Ashe County, NC residents find affordable health insurance coverage for 2026, working with local employers like Ashe Memorial Hospital and Horton Emergency Vehicles to connect individuals and families with plans that fit their needs. Whether you are seeking individual coverage or a family plan, Health Plans of NC guides you through every available option 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 |
Ashe County is home to 26,831 residents, a population that has grown 1.0% since 2020, with 3.0% of residents being foreign-born, reflecting a community with diverse coverage needs across multiple employment sectors. Major employers including Ashe County Board of Education, Horton Emergency Vehicles, General Electric, Ashe Memorial Hospital, and James R Vannoy and Sons Construction each shape the mix of employer-sponsored and individual coverage options available locally. Health Plans of NC helps residents across all employment situations navigate the full range of coverage types, from ACA Marketplace plans to Medicaid and short-term options.
ACA Marketplace plans are available to Ashe County residents who do not receive coverage through employers like Horton Emergency Vehicles or General Electric and need individual or family coverage.
Medicaid coverage is a key pathway for lower-income Ashe County residents, particularly those working part-time or seasonally with employers like James R Vannoy and Sons Construction.
Employer-sponsored group health plans are offered by major Ashe County employers including Ashe Memorial Hospital and the Ashe County Board of Education, covering a significant share of working residents.
Short-term health coverage can bridge gaps for Ashe County residents transitioning between jobs at local employers or waiting for open enrollment periods to begin.
COBRA continuation coverage allows former employees of Ashe County employers such as General Electric or Ashe Memorial Hospital to maintain their existing group plan temporarily after leaving a job.
Small business SHOP Marketplace plans give local Ashe County business owners, including smaller contractors and service providers, a structured way to offer group coverage to their employees.
For 2026, Ashe County residents have access to 15 ACA Marketplace plans through Blue Cross NC, available across two plan networks: Blue Advantage and Blue Care, both structured as PPO plans offering broad provider access. Blue Advantage connects residents to the largest nationwide PPO network, while Blue Care provides a broad statewide PPO network, both of which include key local providers like Ashe Memorial Hospital in Jefferson. Health Plans of NC compares every available plan and network side-by-side to help Ashe County residents identify which option best aligns with their preferred local providers.
Blue Advantage, a PPO network, covers 95% or more of NC doctors in-network and connects Ashe County residents to Ashe Memorial Hospital and a vast nationwide provider pool.
Blue Care, a PPO network, covers 92% or more of NC doctors in-network and provides Ashe County residents with broad statewide access including local facilities in and around Jefferson.
Both Blue Advantage and Blue Care PPO plans allow Ashe County residents to see specialists without a referral, offering flexibility for those using providers at Watauga Medical Center in Boone.
Blue Advantage PPO plans are well suited for Ashe County residents who travel or seek care at larger regional systems like Atrium Health Wake Forest Baptist in Winston Salem.
Blue Care PPO plans offer strong in-network access for Ashe County residents who primarily use providers closer to home, including Mountain Family Health Center as a federally qualified health center.
Health Plans of NC helps Ashe County residents compare Blue Advantage and Blue Care PPO networks side-by-side to confirm that their specific doctors, hospitals, and clinics are covered before enrolling.
Bronze plans in Ashe County start at approximately $427.27/month before subsidies. With a median household income of $50,827, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Ashe County start at $427.27 per month before subsidies, offering the lowest monthly premium with higher out-of-pocket costs when care is needed.
Silver plans in Ashe County start at $549.92 per month before subsidies and are the only tier eligible for cost-sharing reductions that lower deductibles and copays for qualifying residents.
Gold plans in Ashe County start at $587.73 per month before subsidies, providing lower out-of-pocket maximums that benefit residents who expect frequent medical care throughout the year.
Ashe County residents earning up to 150% of the federal poverty level may qualify for a $0 premium Silver plan under enhanced ACA subsidy rules currently in effect for 2026.
Premium tax credits are available to Ashe County residents earning between 100% and 400% of the federal poverty level, and the county median household income of $50,827 places many families squarely within that eligible range.
Health Plans of NC provides free personalized quotes with exact subsidy calculations so Ashe County residents know their true net monthly premium before choosing a Bronze, Silver, or Gold plan.
For 2026, Blue Cross NC is the sole ACA-compliant Marketplace carrier offering plans in Ashe County, with 15 total plans available to county residents. Those 15 plans are offered across two PPO network options, Blue Advantage and Blue Care, giving residents a choice between the largest nationwide provider network and a broad statewide network. Blue Advantage connects Ashe County residents to more than 95% of NC doctors in-network, while Blue Care connects them to more than 92% of NC doctors, both including access to Ashe Memorial Hospital and surrounding regional facilities. The network choice a resident makes directly affects which local hospitals, clinics, and specialists are covered at in-network rates, making it essential to verify provider participation before enrolling. Health Plans of NC compares every Blue Cross NC plan available in Ashe County side-by-side at no cost, ensuring residents select the carrier network and plan tier that best fits their healthcare relationships and financial situation.
Blue Cross NC (Blue Cross and Blue Shield of North Carolina), offering both Blue Advantage PPO and Blue Care PPO plan types, with 15 total ACA Marketplace plans available in Ashe County for 2026.
North Carolina expanded Medicaid in December 2023, extending eligibility to adults earning up to 138% of the federal poverty level, a change that opened coverage to thousands of previously uninsured working residents across the state. In Ashe County, 12.1% of residents, approximately 3,000 people, remain uninsured, and many of them may now qualify for Medicaid or a subsidized Marketplace plan under current eligibility rules. Children in Ashe County families earning up to 210% of the federal poverty level may qualify for NC Health Choice, the state's CHIP program, providing low-cost or free coverage for minors. Health Plans of NC offers free eligibility checks so Ashe County residents can quickly determine whether they qualify for Medicaid, CHIP, or a subsidized Marketplace plan.
Working adults in Ashe County who are employed part-time or in lower-wage jobs may qualify for Medicaid under NC's expanded eligibility rules that took effect in December 2023.
Children in Ashe County families with incomes above the Medicaid threshold but below 210% of the federal poverty level may qualify for NC Health Choice, the state's CHIP program.
Pregnant women in Ashe County are eligible for Medicaid coverage at higher income thresholds than standard adult eligibility, ensuring access to prenatal and delivery care at Ashe Memorial Hospital.
Ashe County's poverty rate of 14.1% means a meaningful share of residents are at or near Medicaid income thresholds and should verify eligibility before purchasing a Marketplace plan.
Adults with disabilities in Ashe County may qualify for Medicaid through separate eligibility pathways independent of the standard income expansion, and Health Plans of NC can help identify the right program.
Health Plans of NC licensed agents serve Ashe County residents at no cost, comparing every available 2026 plan side-by-side and guiding you through enrollment from start to finish. Call 800-797-0327 today to speak with an agent who understands the local coverage landscape and can help you find the right plan 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 Ashe 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 |
Ashe County ZIP Codes include: 28615, 28617, 28626, 28629, 28631, 28640, 28643, 28672, 28684, 28693, and 28694
