Find Your Most Affordable Health Insurance Plan in Forsyth County
in North Carolina
Forsyth County residents can compare 14 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 Forsyth County, NC with Health Plans of NC. Health Plans of NC helps residents of Forsyth County, NC find and enroll in health coverage that fits their budget and connects them to local providers like Novant Health Forsyth Medical Center and Atrium Health Wake Forest Baptist. Whether you work for Wake Forest Baptist Medical Center, are self-employed in Winston-Salem, or are new to the area, our licensed agents guide you through every option available for 2026 at no cost to you.
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 Forsyth County |
Blue Home with Novant Health | PPO | Available in Forsyth County |
Forsyth County is home to 386,740 residents and has grown 1.1% since 2020, with 9.2% of residents born outside the United States, reflecting a diverse community with a wide range of coverage needs. Major employers such as Wake Forest Baptist Medical Center, Winston-Salem/Forsyth County Schools, Novant Health, Forsyth Memorial Hospital, and Wake Forest University provide a foundation of employer-sponsored coverage, while the ACA Marketplace, Medicaid, and other programs serve residents outside those employer groups. The county's two flagship health systems, Atrium Health Wake Forest Baptist and Novant Health Forsyth Medical Center, anchor the provider networks that most plan types in Forsyth County are built around.
ACA Marketplace plans connect Forsyth County individuals and families to providers across both Atrium Health Wake Forest Baptist and Novant Health Forsyth Medical Center through Blue Cross NC.
Medicaid coverage is available to qualifying low-income Forsyth County residents, including families served by Winston-Salem/Forsyth County Schools and workers in lower-wage positions at local health systems.
Employer-sponsored health insurance is offered by large Forsyth County employers including Wake Forest Baptist Medical Center, Novant Health, and Wake Forest University, covering a significant share of the workforce.
COBRA continuation coverage allows former employees of Forsyth County employers such as Novant Health and Wake Forest Baptist Medical Center to maintain their existing plan temporarily after leaving a job.
Short-term health plans may be an option for Forsyth County residents in coverage gaps between jobs with local employers or during waiting periods before employer benefits begin.
Small business SHOP plans are available to Forsyth County employers looking to offer group coverage to employees and gain access to the county's full network of hospitals and specialty providers.
For 2026, Forsyth County residents can choose from four Blue Cross NC plan networks, each structured as a PPO, giving policyholders direct access to specialists without requiring a referral. Two of these networks are specifically designed around Forsyth County's major health systems, Blue Local with Atrium Health and Blue Home with Novant Health, while the broader Blue Advantage and Blue Care networks extend coverage across a wider statewide and national footprint. Selecting the right network determines whether your care at facilities like Novant Health Forsyth Medical Center, Novant Health Kernersville Medical Center, or Atrium Health Wake Forest Baptist is covered as in-network.
Blue Advantage, PPO, provides the largest nationwide network with more than 95% of NC doctors in-network, connecting Forsyth County residents to providers both locally and across the country.
Blue Care, PPO, offers a broad statewide network covering more than 92% of NC doctors in-network, giving Forsyth County residents access to providers throughout North Carolina.
Blue Local with Atrium Health, PPO, is available in Forsyth County and is built around Atrium Health Wake Forest Baptist, covering oncology, neurology, orthopedics, and digestive health at 1 Medical Center Blvd.
Blue Home with Novant Health, PPO, is available in Forsyth County and centers on Novant Health Forsyth Medical Center at 3333 Silas Creek Pkwy, Novant Health Kernersville Medical Center, and Novant Health Medical Park Hospital.
PPO plan structures across all four networks allow Forsyth County residents to access urgent care locations like Novant Health-GoHealth Urgent Care and FastMed without needing a referral from a primary care physician.
Choosing between a system-specific network such as Blue Home with Novant Health or a broader network like Blue Advantage depends on whether your preferred Forsyth County specialists and facilities participate in each network.
Bronze plans in Forsyth County start at approximately $476.59/month before subsidies. With a median household income of $65,541, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans start at $476.59 per month for a 35-year-old in Forsyth County before subsidies, offering the lowest monthly premium with a higher deductible for those who rarely need care.
Silver plans start at $612.52 per month in Forsyth County before subsidies and are the only tier eligible for cost-sharing reductions, which lower both your deductible and out-of-pocket costs if your income qualifies.
Gold plans start at $633.41 per month in Forsyth County before subsidies, providing a lower deductible and more predictable out-of-pocket costs for residents who use care frequently.
Forsyth County residents with incomes between 100% and 400% of the federal poverty level qualify for premium tax credits that can reduce monthly costs well below the Bronze starting price.
Households with incomes between 100% and 250% of the federal poverty level may also qualify for enhanced cost-sharing reductions on Silver plans, lowering out-of-pocket exposure at Forsyth County providers.
Residents under age 30 or those with a qualifying hardship exemption may also be eligible for catastrophic coverage, which carries a lower premium than Bronze but higher cost-sharing before coverage kicks in.
Blue Cross NC is the sole ACA Marketplace carrier in Forsyth County for 2026, offering 14 individual and family plans across four distinct plan networks. Those networks, Blue Advantage, Blue Care, Blue Local with Atrium Health, and Blue Home with Novant Health, are all structured as PPOs, meaning Forsyth County residents can see specialists without a referral. Blue Local with Atrium Health connects policyholders directly to Atrium Health Wake Forest Baptist and its affiliated facilities, while Blue Home with Novant Health centers coverage on Novant Health Forsyth Medical Center, Novant Health Kernersville Medical Center, and Novant Health Medical Park Hospital. The broader Blue Advantage and Blue Care networks extend access beyond Forsyth County's two flagship systems to a wide range of statewide and national providers, making them well suited for residents who travel or need specialists outside the county. Health Plans of NC compares all 14 Blue Cross NC plans side-by-side at no cost, so Forsyth County residents can identify the network and metal tier that best matches their provider preferences.
Blue Cross NC, PPO plans across four networks including Blue Advantage, Blue Care, Blue Local with Atrium Health, and Blue Home with Novant Health, 14 plans available in Forsyth County for 2026.
North Carolina expanded Medicaid in December 2023, extending free or low-cost coverage to adults earning up to 138% of the federal poverty level, and Forsyth County residents have been among those newly eligible since that expansion took effect. With 10.5% of Forsyth County residents, approximately 41,000 people, currently uninsured, many may qualify for Medicaid or CHIP and not yet know it. Children in families earning up to 210% 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 Forsyth County residents who want to find out whether they or their children qualify for Medicaid or CHIP before exploring Marketplace plans.
Working adults in Forsyth County earning at or below 138% of the federal poverty level are eligible for Medicaid under North Carolina's expansion, including those employed part-time or in seasonal roles.
Children in Forsyth County families may qualify for NC Health Choice CHIP coverage, providing access to pediatric providers such as Novant Health Robinhood Pediatrics and Novant Health Twin City Pediatrics.
Pregnant individuals in Forsyth County may qualify for Medicaid coverage throughout pregnancy and for a period after delivery, regardless of immigration status in many cases.
Forsyth County's poverty rate of 14.7% means a substantial share of residents may be eligible for Medicaid, CHIP, or low-premium Marketplace plans, and a free eligibility check can clarify which program fits best.
People with disabilities and seniors with low income in Forsyth County may qualify for Medicaid programs that coordinate with Medicare to reduce out-of-pocket costs at local hospitals and specialty clinics.
Health Plans of NC licensed agents serve Forsyth County residents at no cost, comparing every available 2026 plan side-by-side and walking you through enrollment so you get the right coverage for your providers and budget. Call us today at 800-797-0327 to speak with a local agent who knows Forsyth County's health systems and can help you enroll with confidence.
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 Forsyth 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 |
Forsyth County ZIP Codes include: 27009, 27010, 27012, 27023, 27040, 27045, 27050, 27051, 27094, 27098, 27099, 27101, 27102, 27103, 27104, 27105, 27106, 27107, 27108, 27109, 27110, 27111, 27113, 27114, 27115, 27116, 27117, 27120, 27127, 27130, 27150, 27151, 27152, 27155, 27156, 27157, 27198, 27199, 27284, and 27285
