Find Your Most Affordable Health Insurance Plan in Davidson County
in North Carolina
Davidson County residents can compare 16 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 Home with Novant Health is a good option if you wish to get care from Novant Health’s provider network 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.
Novant Health’s network of hospitals, doctors and affiliated providers including over 2,000 physicians.2
A provider network that includes more than 850 locations, including Novant Health’s not-for-profit integrated system of 19 medical centers.2
All doctors outside the Novant Health provider network are considered out-of-network and not covered for Blue Home with Novant Health. 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 Novant Health to bring you Blue Home with Novant Health. Blue Home with Novant Health is a health insurance plan offered by Blue Cross NC that provides access to a limited network of providers. Novant Health is an independent company that is solely responsible for the physicians and medical facilities it owns and operates. Novant Health does not offer Blue Cross or Blue Shield products or services.
Novant Health, www.novanthealth.org/home/about-us/company-information.aspx (Accessed August 2024).
Blue Home with Novant Health is available on and off Marketplace to residents of these North Carolina counties: Cabarrus, Davidson, Forsyth, Mecklenburg, Rowan, Stokes, Union, and Yadkin.
Blue Local with Atrium Health is a good option if you wish to get care from Atrium Health and its affiliated doctors and hospitals. Since the majority of doctors in this plan are in the same health care system, it’s easier for them to work together on your behalf.
A provider network that includes: Atrium Health Carolinas Medical Center – named “Best Hospital” in the Charlotte metro region.2
Atrium Health Wake Forest Baptist (pre-eminent academic health system).3
Two children’s hospitals: Levine Children’s Hospital (nationally ranked in eight specialties)4 and Brenner Children’s Hospital.
Atrium Health Wake Forest Baptist Comprehensive Cancer Center – one of only three comprehensive cancer centers in North Carolina.5
26 hospitals and more than 650 care locations in NC and SC.6
All doctors outside the Atrium Health provider network are considered out-of-network and not covered for Blue Local with Atrium Health, including: CaroMont Health, Cone Health, Novant Health and their affiliated providers. 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 Atrium Health to bring you Blue Local with Atrium Health, a health insurance plan offered by Blue Cross NC that provides access to Atrium Health’s comprehensive network of providers. Atrium Health is an independent company and is solely responsible for the physicians and medical facilities it owns/operates. Atrium Health does not offer Blue Cross or Blue Shield products or services.
Atrium Health, atriumhealth.org/about-us/newsroom/news/atrium-health-earns-multiple-us-news-and-world-report-honors (Accessed September 2023).
Atrium Health Wake Forest Baptist, www.wakehealth.edu/about-us (Accessed August 2022).
Atrium Health, www.atriumhealth.org/about-us (Accessed August 2022).
Atrium Health Wake Forest Baptist, www.wakehealth.edu/locations/facilities/comprehensive-cancer-center (Accessed September 2023).
Atrium Health, https://2023yir.advocatehealth.org/ (Within the full report) (Accessed September 2024).
Blue Local with Atrium Health is available on and off Marketplace to residents of these North Carolina counties: Anson, Cabarrus, Cleveland, Davidson, Davie, Forsyth, Gaston, Guilford, Lincoln, Mecklenburg, Randolph, Rowan, Stanly, Stokes, Union, Wilkes 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 Davidson County, NC with Health Plans of NC. Health Plans of NC helps Davidson County residents find the right health insurance plan for 2026, whether they work for Davidson County Schools, receive care at Atrium Health Wake Forest Baptist in Lexington, or are navigating coverage on their own for the first time.
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 |
Blue Local with Atrium Health | PPO | Available in Davidson County |
Blue Home with Novant Health | PPO | Available in Davidson County |
Davidson County is home to 171,063 residents, a population that has grown 1.3 percent since 2020, and includes 5.7 percent foreign-born residents who may need multilingual support when selecting coverage. Major employers such as Davidson County Schools, Old Dominion Freight Line, Walmart, and the County of Davidson offer varying levels of employer-sponsored insurance, while health systems like Atrium Health Wake Forest Baptist Lexington and UNC Health anchor the local provider network. Health Plans of NC helps every Davidson County resident, from county government employees to self-employed contractors, identify which type of coverage best fits their situation.
ACA Marketplace plans through Blue Cross NC are available to Davidson County residents who do not have access to affordable job-based coverage at employers like Old Dominion Freight Line or Walmart.
Medicaid coverage is available to qualifying Davidson County adults and families, particularly relevant for those working part-time or in lower-wage roles not covered by employers like Davidson County Schools.
Employer-sponsored insurance is offered by major local employers including the County of Davidson and Davidson County Schools, though plan quality and affordability vary significantly by employer.
Short-term health plans can help Davidson County residents bridge a coverage gap between jobs or after aging off a parent's plan, providing access to local urgent care centers in the interim.
COBRA continuation coverage allows Davidson County residents who leave positions at employers like Thomasville Medical Center to temporarily maintain their existing employer plan while searching for new coverage.
Small business SHOP plans through the ACA Marketplace allow Davidson County small business owners to offer Blue Cross NC coverage to employees and potentially qualify for the Small Business Health Care Tax Credit.
For 2026, Davidson County residents have access to 16 plans through Blue Cross NC, spanning multiple network structures including PPO and other plan types designed to connect members to local hospitals and specialty providers. The available plan networks include Blue Advantage, Blue Care, Blue Local with Atrium Health, and Blue Home with Novant Health, each offering a different scope of provider access across the county and surrounding region. Selecting the right network is essential, since your choice determines whether facilities like Atrium Health Wake Forest Baptist in Lexington or Novant Health Thomasville Medical Center are covered at in-network rates.
Blue Advantage, a PPO network, provides the largest nationwide coverage with more than 95 percent of North Carolina doctors in-network, making it a strong option for Davidson County residents who travel frequently or see out-of-area specialists.
Blue Care, a PPO network, covers more than 92 percent of North Carolina doctors in-network and offers broad statewide access for Davidson County residents who primarily use regional providers.
Blue Local with Atrium Health is available in Davidson County and connects members to Atrium Health Wake Forest Baptist at 250 Hospital Dr in Lexington as a key in-network facility.
Blue Home with Novant Health is available in Davidson County and connects members to Novant Health Thomasville Medical Center at 207 Old Lexington Rd and Novant Health Forsyth Medical Center in Winston-Salem.
PPO plan structures across all available networks in Davidson County allow members to see out-of-network providers, though at higher cost sharing than in-network visits.
Catastrophic coverage is available for Davidson County residents under age 30 or those who qualify through a hardship exemption, offering low monthly premiums in exchange for a high deductible before benefits apply.
Bronze plans in Davidson County start at approximately $443.10/month before subsidies. With a median household income of $62,426, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Davidson County start at $443.10 per month for a 35-year-old, offering the lowest monthly premiums in exchange for higher deductibles and out-of-pocket costs when care is needed.
Silver plans start at $569.49 per month and are the only tier eligible for cost-sharing reductions, which lower deductibles and copays for Davidson County residents with qualifying incomes.
Gold plans start at $588.91 per month and are best suited for Davidson County residents who use medical services frequently and prefer lower out-of-pocket costs at the point of care.
Davidson County residents with household incomes between 100 and 400 percent of the federal poverty level qualify for Advance Premium Tax Credits that reduce monthly premiums below the published starting prices.
Residents earning up to 150 percent of the federal poverty level may qualify for enhanced subsidies that reduce monthly Silver plan premiums to as little as $0, making comprehensive coverage fully accessible.
Cost-sharing reductions available on Silver plans for residents earning between 100 and 250 percent of the federal poverty level further reduce deductibles and copays beyond premium savings alone.
Blue Cross NC is the sole ACA Marketplace carrier serving Davidson County for 2026, offering 16 plans across multiple coverage tiers and network structures. Available plan networks include Blue Advantage, Blue Care, Blue Local with Atrium Health, and Blue Home with Novant Health, each designed to connect Davidson County members to a specific set of local and regional providers. Blue Local with Atrium Health links members to Atrium Health Wake Forest Baptist in Lexington, while Blue Home with Novant Health connects members to Novant Health Thomasville Medical Center and Novant Health Forsyth Medical Center in Winston-Salem. Choosing the wrong network can result in significantly higher out-of-pocket costs if your preferred Davidson County provider, such as a specialist at Lexington Medical Center or a counselor at Daymark Recovery Services, falls outside your plan's network. Health Plans of NC agents compare all 16 Blue Cross NC plans side by side at no cost to Davidson County residents, helping each person find the plan that matches their doctors, prescriptions, and budget.
Blue Cross NC: the sole ACA Marketplace carrier in Davidson County for 2026, offering 16 plans across PPO and Catastrophic structures, including Blue Advantage, Blue Care, Blue Local with Atrium Health, and Blue Home with Novant Health.
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, a threshold that makes many Davidson County residents newly eligible. With an uninsured rate of 10.4 percent, roughly 18,000 Davidson County residents currently lack coverage, and a significant share of them may now qualify for Medicaid or heavily subsidized Marketplace plans. Children in Davidson County households earning up to 210 percent of the federal poverty level may qualify for NC Health Choice, the state's CHIP program, which provides comprehensive pediatric coverage at little or no cost. Health Plans of NC offers free eligibility checks for Davidson County residents who are unsure whether they qualify for Medicaid, CHIP, or a subsidized Marketplace plan.
Working adults in Davidson County who earn modest wages and are not offered affordable job-based coverage may now qualify for full Medicaid benefits following North Carolina's expansion.
Children in Davidson County families with incomes up to 210 percent of the federal poverty level may qualify for NC Health Choice, which covers doctor visits, prescriptions, dental, and vision care.
Pregnant women in Davidson County are eligible for Medicaid at higher income thresholds than the standard adult limit, ensuring prenatal and postpartum care is accessible regardless of insurance status.
Davidson County's poverty rate of 13.8 percent means a substantial portion of the population may qualify for Medicaid, particularly residents working part-time or in industries with limited employer benefits.
Seniors and people with disabilities in Davidson County with low incomes may qualify for dual coverage through both Medicaid and Medicare, reducing out-of-pocket costs for prescriptions and long-term care services.
Health Plans of NC licensed agents serve Davidson County residents at no cost, comparing all available Blue Cross NC plans side by side and guiding you through every step of enrollment. Call 800-797-0327 today to speak with a local agent who can find the right plan for your doctors, prescriptions, and budget.
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 Davidson 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 |
Davidson County ZIP Codes include: 27239, 27292, 27293, 27294, 27295, 27299, 27351, 27360, 27361, 27373, and 27374
