Find Your Most Affordable Health Insurance Plan in Ashe County
in North Carolina
Ashe 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 Ashe County, NC with Health Plans of NC. Health Plans of NC helps Ashe County, NC residents find affordable health insurance by navigating the 15 plans available through Blue Cross NC on the local marketplace. Located in the Appalachian Mountains, Ashe County serves a population of 26,831, yet 12.1% of residents, roughly 3,000 people, remain uninsured, making it critical to understand every available coverage option. Health Plans of NC connects Ashe County residents with coverage that fits their needs and budget, from subsidized marketplace plans to newly expanded Medicaid eligibility.
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 residents can choose from several types of health coverage depending on their income, employment status, and healthcare needs, with 15 plans available through Blue Cross NC on the marketplace. The county's healthcare network, anchored by Ashe Memorial Hospital in Jefferson and supported by Mountain Family Health Center as a federally qualified health center, means that the right plan can give residents meaningful access to local providers. With a median household income of $50,827 and a poverty rate of 14.1%, many Ashe County residents qualify for subsidized marketplace plans or government-sponsored coverage that significantly reduces out-of-pocket costs.
Marketplace plans for working adults and families who do not receive employer coverage, with 15 plans available through Blue Cross NC starting at $427.27 per month before subsidies are applied.
Subsidized low-premium plans for Ashe County individuals and families earning between 100% and 400% of the federal poverty level, a range that covers a broad share of residents given the county's median household income of $50,827.
Medicaid coverage for low-income adults and families, especially relevant given Ashe County's 14.1% poverty rate and North Carolina's Medicaid expansion, which extended eligibility to more working residents starting in December 2023.
Employer-sponsored group health plans for residents working with local health systems, public institutions, or businesses operating in Ashe County, offering cost-sharing between employer and employee to reduce individual premium burdens.
High-deductible, lower-premium plans paired with Health Savings Accounts for generally healthy Ashe County residents who want to manage costs while keeping monthly expenses down, available through Blue Cross NC's marketplace offerings.
Short-term and supplemental coverage options for residents in between jobs or waiting for open enrollment, which can help bridge gaps in a rural county where access to Ashe Memorial Hospital and urgent care services matters significantly.
For 2025, Blue Cross NC is the carrier offering ACA-compliant marketplace plans in Ashe County, with 15 total plans available to residents across the county. These plans span a range of coverage structures including options suited to lower-premium, higher-deductible needs as well as more comprehensive coverage for families with frequent healthcare utilization. The Blue Cross NC network in this region interacts directly with key local providers including Ashe Memorial Hospital in Jefferson, Watauga Medical Center in Boone, and Mountain Family Health Center, making carrier network alignment critical for maintaining access to nearby care. Because Ashe County is a rural Appalachian community, selecting a plan whose network includes the hospitals and clinics residents actually rely on can make the difference between affordable local care and costly out-of-network bills. Health Plans of NC agents compare every available Blue Cross NC plan side-by-side at no cost, helping residents identify which plan structure best fits their provider relationships and financial situation. With 12.1% of Ashe County residents currently uninsured and a county poverty rate of 14.1%, choosing the right carrier and plan tier is especially important for households where unexpected medical costs could be financially devastating.
Blue Cross NC (Blue Cross and Blue Shield of North Carolina)
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.
The starting marketplace plan premium in Ashe County is $427.27 per month before subsidies, meaning eligible residents could pay significantly less after federal tax credits are applied based on their household income.
Residents earning up to 150% of the federal poverty level may qualify for $0 premium marketplace plans under enhanced subsidy rules currently in effect through the Affordable Care Act.
At a median household income of $50,827, many Ashe County families fall within the subsidy-eligible range and should always compare net premium costs after tax credits rather than the full unsubsidized price.
North Carolina's Medicaid expansion now covers adults earning up to 138% of the federal poverty level, making it a key coverage pathway for Ashe County residents given the county's 14.1% poverty rate.
The 12.1% uninsured rate in Ashe County, representing approximately 3,000 residents, suggests many people are currently paying out of pocket for care at facilities like Ashe Memorial Hospital when coverage could be available at low or no cost.
Mountain Family Health Center operates on a sliding fee scale for uninsured or low-income Ashe County residents, but pairing that access with a marketplace or Medicaid plan can provide broader protection including hospital stays, specialist visits, and prescription drug coverage.
Individual and Family plan premiums in Ashe County before subsidies: Bronze plans start at $427.27/month (lowest premiums, highest deductible); Silver plans start at $549.92/month (mid-range cost, eligible for cost-sharing reductions); Gold plans start at $587.73/month (higher premiums, lower out-of-pocket). Catastrophic coverage is also available for Ashe County residents under 30 or with a hardship exemption. Most Ashe 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. Ashe County residents earning up to 138% of the federal poverty level may qualify for free or low-cost coverage. Currently 12.1% of Ashe County residents (about 3,000 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.
Ashe County is home to 26,831 residents. The median household income is $50,827. The county has grown 1.0% since 2020. The uninsured rate is 12.1%. 3.0% of residents are foreign-born. Health Plans of NC helps Ashe 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 |
Ashe County ZIP Codes include: 28615, 28617, 28626, 28629, 28631, 28640, 28643, 28672, 28684, 28693, and 28694
