Find an Affordable Health Insurance Plan in Chatham County
in North Carolina
Nationwide (BlueCard®)
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 in all North Carolina counties, except the following where it is available only off Marketplace: Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Orange, Person, and Wake.
Triangle area
Blue Home℠ with UNC Health Alliance is a Blue Cross NC plan built around UNC Health's provider network, including more than 1,900 primary care providers, UNC Medical Center (nationally ranked in 4 adult and 9 pediatric specialties by U.S. News & World Report), and UNC Rex Hospital (rated high-performing in 1 adult specialty and 21 adult procedures and conditions).
Like the other Blue Home plans, this is a single-system regional network offered at a lower premium than broad-network options — only UNC Health Alliance providers are in-network. We recommend it for Triangle-area residents who already rely on a UNC Health doctor, especially for complex or pediatric care.
Good fit if you have an ongoing relationship with a UNC Health specialist, especially for a complex or chronic condition, prefer pediatric care coordinated through UNC's academic health system, or live in one of the eligible Triangle-area counties.
Poor fit if your regular doctors are with Cone Health, Duke Health, or WakeMed — all three are out-of-network here.
Regional network – Triangle area
Network: UNC Health Alliance only1 (incl. UNC Medical Center).2
Out-of-area care: Emergency / urgent only.
Offered in Bronze, Silver, and Gold tiers.
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.
This plan is built around a single system, UNC Health Alliance, which keeps the premium lower than Blue Cross NC's broad-network plans. Only UNC Health Alliance providers are in-network — outside of emergency and urgent care, Duke Health and WakeMed are not covered, even though both operate in the same Triangle-area counties.
The network includes more than 1,900 primary care providers, UNC Medical Center — nationally ranked in four adult and nine pediatric specialties by U.S. News & World Report — and UNC Rex Hospital, rated high-performing in one adult specialty and 21 adult procedures and conditions.
For members managing a complex or chronic condition, or families needing pediatric specialty care, having that care coordinated through one academic health system is often the main draw of this plan over a broader but less integrated network.
The lower premium is the trade-off for narrowing to one system. It's offered in Bronze, Silver, and Gold tiers, and most applicants qualify for a premium tax credit based on income and household size.
This plan is available across 11 Triangle-area counties, including Wake, Durham, and Orange. If your doctors are with Duke Health or WakeMed instead, this plan won't cover them outside of an emergency.
You can enroll during the annual Open Enrollment Period (November 1 – January 15) or during a Special Enrollment Period if you've had a qualifying life event — a job change, a move, a new dependent, or losing other coverage.
A licensed Health Plans of NC agent can confirm your UNC Health providers are in-network, check your subsidy, and compare this plan against Blue Advantage® and Blue Care® — at no cost. Call 800-797-0327.
Yes — UNC Medical Center, nationally ranked by U.S. News & World Report in several adult and pediatric specialties, is part of this network, along with more than 1,900 primary care providers across the Triangle.
No. Duke Health and WakeMed are out-of-network on Blue Home℠ with UNC Health Alliance, along with their affiliated providers. If your regular doctors are with Duke or WakeMed, this isn’t the right plan.
No. UNC Health is an independent company solely responsible for its physicians and facilities. Blue Cross NC partners with UNC Health to offer this plan design, but UNC Health does not sell Blue Cross or Blue Shield products.
Every Blue Cross NC individual plan comes in three “metal” tiers that describe how you and the plan split covered costs. Bronze plans have the lowest monthly premium but pay about 60% of covered costs, so you pay roughly 40% when you use care. Silver plans pay about 70% (you pay ~30%), and Gold plans pay about 80% (you pay ~20%) in exchange for a higher premium.
As a rule of thumb: Bronze suits people who rarely use care and want the lowest premium, Gold suits people who use regular or ongoing care, and Silver is the middle ground. Silver is also the only tier that unlocks Cost-Sharing Reductions (CSRs) — extra savings on deductibles and copays if your income qualifies — so many subsidy-eligible shoppers get the best overall value from a Silver plan. A licensed Health Plans of NC agent can run the numbers for your situation at no cost.
The most important step before choosing any plan is confirming your doctors, specialists, and preferred hospitals are in that plan’s network. Networks differ a lot between Blue Cross NC plans — a doctor who is in-network on one plan may be out-of-network, and far more expensive, on another.
You can check each plan’s provider directory on bcbsnc.com, or — the easier route — call a Health Plans of NC agent at 800-797-0327 and we’ll verify your specific providers before you enroll, at no charge.
Most North Carolinians who buy their own coverage qualify for a premium tax credit — a subsidy based on your income and household size that lowers what you pay each month. Subsidy amounts and eligibility rules can change from year to year, so the only way to know your real price is to run a personalized quote.
Health Plans of NC can check your subsidy eligibility and show you the after-subsidy premium for any of these plans for free. Call 800-797-0327 or request a quote online.
You can enroll during the annual Open Enrollment Period, which runs each fall (generally starting November 1) for coverage that begins the following year. Outside that window, you can still enroll if you have a qualifying life event — such as losing other coverage, moving, marriage, or having a baby — which opens a 60-day Special Enrollment Period.
Because enrollment dates and rules can change, it’s worth confirming the current deadline. A Health Plans of NC agent can tell you whether you’re eligible to enroll right now — call 800-797-0327.
Nothing. Health Plans of North Carolina is an independent, authorized agency licensed to sell Blue Cross NC plans, and our help — comparing plans, checking your doctors, estimating subsidies, and enrolling — is completely free to you. Agents are paid by the insurance company, and the plan price is the same whether you enroll with us or on your own.
Call 800-797-0327 to talk with a licensed local agent.
| Carrier | Distinct plans |
|---|---|
| Blue Cross and Blue Shield of NC | 9 |
| Cigna Healthcare | 7 |
| Total | 16 |
Source: CMS QHP Landscape PY2026, Individual Market Medical, updated August 26, 2026 (data.healthcare.gov). Counts distinct Plan IDs offered on the Marketplace in Chatham County, once per carrier.
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 | EPO | 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 9 ACA-compliant plans on the Marketplace, plus Blue Advantage plans off the Marketplace, 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 EPO 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 EPO 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 EPO 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 one of two carriers offering ACA-compliant health insurance plans in Chatham County for 2026, with 9 total plans on the Marketplace, plus Blue Advantage plans off the Marketplace, available to individuals and families across the county. These 9 plans on the Marketplace, plus Blue Advantage plans off the Marketplace, are structured across two network types: the Blue Advantage PPO, available off the Marketplace only, and the Blue Home with UNC Health Alliance EPO, available on and off the Marketplace. The Blue Home with UNC Health Alliance EPO 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 EPO plan types across 9 available plans on the Marketplace, plus Blue Advantage plans off the Marketplace, 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 |
|---|---|---|
UNC Health Chatham | 475 Progress Blvd, Siler City, NC 27344 |
Clinic | Address | Phone |
|---|---|---|
Moncure Community Health Center | 7228 Moncure Pittsboro Rd, Moncure, NC 27559 | |
Piedmont Health SeniorCare Pittsboro | 163 Chatham Business Dr, Pittsboro, NC 27312 | |
Piedmont Health Services | 7228 Moncure Pittsboro Rd, Moncure, NC 27559 | |
Siler City Community Health Center | 224 S 10th Ave, Siler City, NC 27344 | |
Carolina Family Practice, P. A | 801 W 3rd St, Siler City, NC 27344 | |
Carolina Park Medical Center | 984 Thompson St Suite E2, Pittsboro, NC 27312 | |
Central Piedmont Urgent Care | 101 Walmart Supercenter, Siler City, NC 27344 | |
Chatham County Health Department | 1000 S 10th Ave, Siler City, NC 27344 | |
Chatham Primary Care | 163 Medical Park Dr Suite 210, Siler City, NC 27344 | |
Duke Primary Care-Galloway Ridge | 50 Craggenmore Close, Pittsboro, NC 27312 |
Chatham County ZIP Codes include: 27207, 27208, 27213, 27228, 27252, 27256, 27259, 27312, 27344, 27559, and 27562
