Find Your Most Affordable Health Insurance Plan in Chatham County
in North Carolina
Chatham County residents can compare 15 health insurance options for 2026.
Blue Home with UNC Health Alliance is a good option if you wish to get care from UNC Health and its affiliated doctors and hospitals. Since the majority of doctors in this plan are in the same network, it’s easier for them to work together on your behalf.
UNC Health’s network of hospitals and providers including more than 1,800 primary care providers.2
A provider network that includes UNC Medical Center, nationally ranked in one adult and nine pediatric specialties by U.S. News;3 along with UNC Rex Hospital, rated by U.S. News as high performing in 16 adult procedures and conditions.4
All doctors outside the UNC Health Alliance provider network are considered out-of-network and not covered for Blue Home with UNC Health Alliance, including: Cone Health, Duke Health and WakeMed. 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.
Notes
Blue Cross NC has collaborated with UNC Health 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 is an independent company that is solely responsible for the physicians and medical facilities it owns and operates. UNC Health does not offer Blue Cross or Blue Shield products or services.
UNC Health, www.unchealthcare.org/health-alliance/ (Accessed August 2024).
U.S. News and World Report, www.usnews.com/best-hospitals/area/nc/university-of-north-carolina-hospitals-6360260 (Accessed August 2024).
U.S. News and World Report, www.usnews.com/best-hospitals/area/nc/rex-healthcare-6361210 (Accessed August 2024).
Blue Home with UNC Health Alliance is available on and off Marketplace to residents of these North Carolina counties: Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Nash, Orange, Person, and Wake.
Blue Advantage - Off Marketplace 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.
in North Carolina
Find affordable health insurance in Chatham County, NC with Health Plans of NC. Health Plans of NC helps residents of Chatham County find and enroll in the right health insurance plan at no cost, connecting locals with coverage that fits their needs and budget. With UNC Health operating Chatham Hospital in Siler City and major employers like Mountaire Farms and Galloway Ridge anchoring the local economy, having the right plan in place matters for Chatham County families and workers.
Plan Network | Type | Network Coverage |
|---|---|---|
Blue Advantage | PPO | Largest nationwide network, 95%+ of NC doctors in-network (off-Marketplace only) |
Blue Home with UNC Health Alliance | HMO | UNC Health hospitals and affiliated providers |
Chatham County is home to 78,319 residents and has grown 2.7 percent since 2020, with 10.7 percent of residents being foreign-born, meaning a diverse and expanding population is actively seeking coverage options each year. Major employers including Chatham County Schools, the County of Chatham, Carolina Meadows, Mountaire Farms, and Galloway Ridge provide a range of employment situations, from full benefits to positions where workers must seek individual coverage. UNC Health, which operates Chatham Hospital in Siler City, and UNC Hospitals in Chapel Hill serve as the primary health systems anchoring in-network care for most available plans in the county.
ACA Marketplace plans are available to Chatham County residents who are self-employed, work for employers like Mountaire Farms without qualifying coverage, or are between jobs and need individual or family coverage.
Medicaid coverage is available to low-income Chatham County residents, including workers in service and agricultural roles, providing comprehensive care through UNC Health and Chatham Hospital at little or no cost.
Employer-sponsored plan alternatives exist for residents whose workplace coverage through employers like Galloway Ridge or Carolina Meadows is considered unaffordable under ACA affordability rules.
Short-term health plans may provide temporary coverage for Chatham County residents transitioning between jobs or waiting for open enrollment, offering basic protection near Chatham Hospital and surrounding facilities.
COBRA continuation coverage allows former employees of Chatham County Schools or the County of Chatham to maintain their existing group plan temporarily after leaving employment.
Small business SHOP plans are available to local Chatham County employers seeking to offer group health coverage to their employees, with Health Plans of NC providing free guidance on plan selection and enrollment.
Chatham County residents have access to 15 ACA-compliant plans for 2026 through Blue Cross NC, offered across two distinct network structures that determine which local and regional providers are in-network. The Blue Advantage network is a PPO available off the Marketplace only, while the Blue Home with UNC Health Alliance network is an HMO built around UNC Health facilities including Chatham Hospital in Siler City. Choosing between these networks is one of the most important decisions a Chatham County resident can make, as it directly affects access to preferred providers and specialty care at facilities like UNC Hospitals in Chapel Hill.
Blue Advantage, a PPO network available off the Marketplace only, provides the largest nationwide network with over 95 percent of North Carolina doctors in-network, including providers across the greater Chatham County region.
Blue Home with UNC Health Alliance, an HMO network, centers care around UNC Health hospitals and affiliated providers, giving Chatham County residents in-network access to Chatham Hospital at 475 Progress Blvd in Siler City.
The Blue Home with UNC Health Alliance HMO network also connects enrollees to UNC Hospitals in Chapel Hill for specialty and tertiary care not available locally in Chatham County.
The Blue Advantage PPO network allows Chatham County residents to access out-of-area providers and specialists at major systems like Duke University Hospital without needing a referral from a primary care provider.
Both available networks include coverage options across multiple plan tiers, giving Chatham County residents flexibility in balancing monthly premiums against deductibles and out-of-pocket costs for local care.
Bronze plans in Chatham County start at approximately $427.27/month before subsidies. With a median household income of $88,534, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Chatham County start at $427.27 per month for a 35-year-old, offering the lowest monthly premiums with higher deductibles for those who rarely use medical care.
Silver plans start at $549.92 per month and are the only tier eligible for cost-sharing reductions, which lower deductibles and copays for residents who qualify based on household income.
Gold plans start at $587.73 per month and feature higher monthly premiums with lower out-of-pocket costs, making them a strong value for residents who use medical services frequently.
Chatham County residents earning up to 150 percent of the federal poverty level may qualify for a zero-dollar premium Silver plan under enhanced ACA subsidy rules currently in effect for 2026.
Households earning between 100 and 400 percent of the federal poverty level are eligible for premium tax credits that can bring monthly plan costs well below the published starting prices for Bronze, Silver, and Gold tiers.
Chatham County's median household income of $88,534 means many residents near the higher end of subsidy ranges still qualify for meaningful premium reductions, making it essential to calculate eligibility before choosing a plan.
Blue Cross NC is the sole carrier offering ACA-compliant health insurance plans in Chatham County for 2026, with 15 total plans available to individuals and families across the county. These 15 plans are structured across two network types: the Blue Advantage PPO, available off the Marketplace only, and the Blue Home with UNC Health Alliance HMO, available on and off the Marketplace. The Blue Home with UNC Health Alliance HMO connects enrollees directly to UNC Health facilities, including Chatham Hospital in Siler City, as well as UNC Hospitals in Chapel Hill for advanced and specialty care. The Blue Advantage PPO provides broader statewide and national access, allowing Chatham County residents to see a wider range of providers including those at Duke University Hospital and other regional systems without a referral. Health Plans of NC compares every available Blue Cross NC plan side-by-side at no cost, helping Chatham County residents identify the right network and tier for their healthcare needs.
Blue Cross NC (Blue Cross and Blue Shield of North Carolina), offering both PPO and HMO plan types across 15 available plans in Chatham County for 2026.
North Carolina expanded Medicaid in December 2023, extending free or low-cost coverage to adults earning up to 138 percent of the federal poverty level, opening a significant new coverage pathway for Chatham County residents who previously fell in a coverage gap. Currently 8.6 percent of Chatham County residents, approximately 7,000 people, remain uninsured, and many of them may now qualify for Medicaid or heavily subsidized coverage under current eligibility rules. Children in families earning up to 210 percent of the federal poverty level may qualify for NC Health Choice, the state's CHIP program, providing low-cost comprehensive coverage for minors in Chatham County. Health Plans of NC offers free eligibility checks and enrollment assistance so Chatham County residents can quickly determine whether Medicaid, CHIP, or a Marketplace plan is the right fit for their household.
Working adults in Chatham County earning up to 138 percent of the federal poverty level now qualify for full Medicaid coverage following North Carolina's expansion in December 2023.
Children in Chatham County households earning up to 210 percent of the federal poverty level may qualify for NC Health Choice (CHIP), providing comprehensive pediatric coverage at little to no cost.
Pregnant women in Chatham County are eligible for Medicaid coverage at higher income thresholds, ensuring prenatal and delivery care at Chatham Hospital and affiliated UNC Health facilities is accessible.
With a poverty rate of 10.5 percent in Chatham County, a meaningful share of residents fall at or near income levels that qualify for Medicaid or near-zero premium Marketplace plans.
Seniors and individuals with disabilities in Chatham County with low incomes may qualify for dual eligibility under Medicare and Medicaid, reducing out-of-pocket costs for both medical and long-term care services.
Health Plans of NC licensed agents serve Chatham County residents at no cost, comparing every available plan side-by-side to match your budget, preferred providers, and coverage needs. Call 800-797-0327 today to get a free personalized quote and get enrolled in the right plan for 2026.
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 Chatham 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 |
|---|---|---|
Chatham Hospital | 475 Progress Blvd, Siler City, NC 27344 | (919) 799-4000 |
Cone Health Alamance Regl Med | 1240 Huffman Mill Rd, Burlington, NC 27215 | (336) 538-7000 |
Cone Health Annie Penn Hosp | 618 S Main St, Reidsville, NC 27320 | (336) 951-4000 |
Cone Health Behavioral Health | 700 Walter Reed Dr, Greensboro, NC 27403 | (336) 832-9700 |
Cone Health Medcenter High Pnt | 2630 Willard Dairy Rd, High Point, NC 27265 | (336) 884-3777 |
Cone Health Moses Cone Hosp | 1121 N Church St, Greensboro, NC 27401 | (336) 832-7000 |
Cone Health Wesley Long Hosp | 2400 W Friendly Ave, Greensboro, NC 27403 | (336) 832-1000 |
Cone Health Women's-Children's | 1121 N Church St, Greensboro, NC 27401 | (336) 832-6500 |
Duke Children's Hosp & Health | 2301 Erwin Rd, Durham, NC 27705 | (919) 668-4000 |
Duke Regional Hospital | 3643 N Roxboro St, Durham, NC 27704 | (919) 470-4000 |
Duke University Hospital | 2301 Erwin Rd, Durham, NC 27705 | (919) 684-8111 |
Durham VA Medical Ctr | 508 Fulton St, Durham, NC 27705 | (919) 286-0411 |
High Point Medical Ctr | 601 N Elm St, High Point, NC 27262 | (336) 878-6000 |
Kindred Healthcare | 2401 S Side Blvd, Greensboro, NC 27406 | (336) 604-2300 |
Lenox Baker Children's Hosp | 3000 Erwin Rd, Durham, NC 27705 | (919) 684-6669 |
North Carolina Specialty Hosp | 3916 Ben Franklin Blvd, Durham, NC 27704 | (919) 956-9300 |
Person Memorial Hospital | 615 Ridge Rd, Roxboro, NC 27573 | (336) 599-2121 |
Randolph Health | 364 White Oak St, Asheboro, NC 27203 | (336) 625-5151 |
Randolph Hospital | 364 White Oak St, Asheboro, NC 27203 | (336) 625-5151 |
Select Specialty Hosp-Durham | 3643 N Roxboro St # 6, Durham, NC 27704 | (984) 569-4040 |
Select Specialty Hosp-Grnsbr | 1200 N Elm St # 5, Greensboro, NC 27401 | (336) 832-5700 |
UNC Hospitals | 101 Manning Dr, Chapel Hill, NC 27514 | (984) 974-1000 |
UNC Rockingham Health Care | 117 E Kings Hwy, Eden, NC 27288 | (336) 623-9711 |
Clinic | Address | Phone |
|---|---|---|
Alamance Ear Nose & Throat LLP | 4030 Oaks Professional Pkwy # 201, Burlington, NC 27215 | (336) 226-0660 |
Alamance Regional Medical Ctr | 1240 Huffman Mill Rd, Burlington, NC 27215 | (336) 538-7000 |
Alamance Regional Pain Clinic | 1236 Huffman Mill Rd # 2000, Burlington, NC 27215 | (336) 538-7180 |
Bethany Medical At North Main | 819 N Main St # 112, High Point, NC 27262 | (336) 289-2299 |
Bethany Medical At South Main | 2805 S Main St, High Point, NC 27263 | (336) 289-2727 |
Bethany Medical Ctr | 3604 Peters Ct, High Point, NC 27265 | (336) 883-0029 |
Bethany Medical Ctr | 3801 W Market St, Greensboro, NC 27407 | (336) 883-0029 |
Bethany Medical Ctr | 507 N Lindsay St, High Point, NC 27262 | (336) 883-0029 |
Central Carolina Health Ntwrk | 1 Centerview Dr # 202, Greensboro, NC 27407 | (336) 292-0665 |
Chapel Hill Obstetrics-Gynclgy | 6216 Fayetteville Rd, Durham, NC 27713 | (919) 942-8571 |
Clinical Choice | 7300 Cessna Dr, Greensboro, NC 27409 | (336) 550-4180 |
Cone Health Covid-19 Testing | 1238 Huffman Mill Rd, Burlington, NC 27215 | (336) 890-1140 |
Cone Health Covid-19 Testing | 1830 Lendew St, Greensboro, NC 27408 | (336) 890-1140 |
Cone Health Covid-19 Testing | 2363 Corporation Pkwy, Burlington, NC 27215 | (336) 890-1140 |
Cone Health Covid-19 Testing | 525 Maple Ave, Reidsville, NC 27320 | (336) 890-1140 |
Cone Health Covid-19 Testing | 617 S Main St, Reidsville, NC 27320 | (336) 890-1140 |
Cone Health Ctr For Maternal | 930 3rd St # 200, Greensboro, NC 27405 | (336) 890-3255 |
Cone Health Mebane Physical | 102 Medical Park Dr, Mebane, NC 27302 | (919) 304-5060 |
Cone Health Medcenter Mebane | 3940 Arrowhead Blvd # 110, Mebane, NC 27302 | (919) 568-7300 |
Cone Health Outpatient Rehab | 618 S Main St Inside Annie Pen, Reidsville, NC 27320 | (336) 951-4000 |
Cone Health Sleep Disorders | 509 N Elam Ave # 300-D, Greensboro, NC 27403 | (336) 832-0410 |
Cone Health Women's-Children's | 1121 N Church Street Entrance, Greensboro, NC 27401 | (336) 832-6500 |
Duke Cancer Ctr Acute Care | 20 Duke Medicine Cir, Durham, NC 27710 | (919) 668-6608 |
Duke Cancer Ctr Radiation | 20 Duke Medicine Cir, Durham, NC 27710 | (919) 660-2100 |
Duke Children's Health Ctr | 2301 Erwin Rd # 34ththfloor, Durham, NC 27705 | (919) 613-7777 |
Duke Health | 234 Crooked Creek Pkwy # 500, Durham, NC 27713 | (919) 684-3834 |
Duke Pediatric Dermatology | 5324 Mcfarland Rd # 410, Durham, NC 27707 | (919) 684-3432 |
Duke University Med Ctr Gen | , Durham, NC 27701 | (919) 684-2410 |
Duke University Med Ctr Gen | , Durham, NC 27710 | (919) 681-4722 |
Duke University Med Ctr Gen | PO Box 90950, Durham, NC 27708 | (919) 681-2020 |
Duke Wound Mgmt Clinic-Clinic | 40 Duke Medicine Cir, Durham, NC 27710 | (919) 684-3432 |
Health Center Of Hillsborough | 401 Meadowlands Dr # 101, Hillsborough, NC 27278 | (919) 241-5032 |
Lebauer Healthcare At Green | 709 Green Valley Rd, Greensboro, NC 27408 | (336) 547-1792 |
Lebauer Healthcare Grandover | 4023 Guilford College Rd, Greensboro, NC 27407 | (336) 890-2040 |
Lebauer Primary Care At Elam | 520 N Elam Ave, Greensboro, NC 27403 | (336) 547-1792 |
Renaissance Family Medicine | 2525c Phillips Ave, Greensboro, NC 27405 | (336) 832-7711 |
Sleep Disorders Ctr At | 1248 Huffman Mill Rd # 101, Burlington, NC 27215 | (866) 937-6692 |
UNC At Chapel Hill Medical Ctr | Cb 7010, Chapel Hill, NC 27599 | (919) 966-5136 |
UNC Hospitals Lab Hillsborough | 460 Waterstone Dr # Firstfloor, Hillsborough, NC 27278 | (919) 595-5970 |
UNC Hospitals Multispecialty | 101 Manning Dr # Firstfloor, Chapel Hill, NC 27514 | (984) 974-0150 |
University-NC-Health Care | 100 Sprunt St, Chapel Hill, NC 27517 | (919) 966-5500 |
Chatham County ZIP Codes include: 27207, 27208, 27213, 27228, 27252, 27256, 27259, 27312, 27344, 27559, and 27562
