Find Your Most Affordable Health Insurance Plan in Franklin County
in North Carolina
Franklin County residents can compare 16 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 Franklin County, NC with Health Plans of NC. Health Plans of NC helps Franklin County residents find and enroll in the right health insurance plan for 2026, with free, side-by-side comparisons of every available option. Whether you work for Franklin County Schools, receive care at UNC Health Johnston, or are shopping for individual coverage on your own, local licensed agents are ready to help at no cost.
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 |
Franklin County is home to 71,962 residents, a population that has grown 4.9% since 2020, including 5.4% who are foreign-born, reflecting a diverse and expanding community with varied health coverage needs. Major employers such as Franklin County Schools, the County of Franklin, Novozymes North America, Captive-Aire Systems, and Infrastructure Technology Services offer employer-sponsored coverage to many residents, while those without workplace plans can access individual and family options through the ACA Marketplace. Health systems including UNC Health Johnston and Duke Raleigh Hospital anchor the regional care network, giving Franklin County residents access to both local and specialist services depending on the plan they choose.
ACA Marketplace plans through Blue Cross NC are available to Franklin County residents who do not receive coverage through employers like Novozymes North America or Captive-Aire Systems.
Medicaid coverage serves lower-income Franklin County residents and is accessible through local providers connected to the Franklin County Health Department and Daymark Recovery Services.
Employer-sponsored insurance is offered by major Franklin County employers including Franklin County Schools and Infrastructure Technology Services, covering a significant share of the workforce.
Short-term health plans may provide temporary coverage for Franklin County residents between jobs or waiting for open enrollment, though benefits are more limited than ACA plans.
COBRA continuation coverage allows Franklin County workers who leave employers like the County of Franklin to maintain their existing group plan for a limited period after separation.
Small business SHOP plans through the ACA Marketplace allow small Franklin County employers to offer group health benefits to employees, supported by agents at Health Plans of NC.
For 2026, Franklin County residents can choose from 16 Blue Cross NC plans spanning multiple coverage tiers and two distinct plan networks, each connecting to a different set of local and regional providers. The Blue Advantage network offers a PPO structure available off-Marketplace, while the Blue Home with UNC Health Alliance network provides HMO coverage centered on UNC Health hospitals and affiliated providers including UNC Health Johnston. Selecting the right network matters in Franklin County because HMO plans typically require care to stay within a defined network, while the PPO structure of Blue Advantage provides broader flexibility when accessing regional specialists and hospitals.
Blue Advantage, PPO structure, connects Franklin County residents to the largest available nationwide network and is offered exclusively off-Marketplace for individual and family coverage.
Blue Home with UNC Health Alliance, HMO structure, centers care around UNC Health hospitals and affiliated providers including UNC Health Johnston in Smithfield, serving Franklin County residents who prefer coordinated network care.
HMO plans like Blue Home with UNC Health Alliance require Franklin County members to select a primary care provider and obtain referrals before seeing specialists within the UNC Health network.
The PPO structure of Blue Advantage gives Franklin County residents the flexibility to see both in-network and out-of-network providers, including regional hospitals such as Duke Raleigh Hospital, with varying cost-sharing.
Franklin County residents managing ongoing care at facilities affiliated with UNC Health Alliance will find the Blue Home network aligns closely with their existing provider relationships.
Health Plans of NC can help Franklin County residents determine which of the two available networks best matches their preferred doctors, local clinics, and hospital access needs.
Bronze plans in Franklin County start at approximately $443.10/month before subsidies. With a median household income of $71,386, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Franklin County start at $443.10 per month for a 35-year-old before subsidies, offering the lowest premiums with higher deductibles and out-of-pocket costs.
Silver plans start at $569.49 per month in Franklin County for a 35-year-old and are the only tier eligible for cost-sharing reductions, which lower deductibles and copays for qualifying residents.
Gold plans start at $588.91 per month in Franklin County for a 35-year-old, providing lower out-of-pocket costs in exchange for a higher monthly premium.
Franklin County households earning between 100% and 400% of the federal poverty level typically qualify for ACA premium tax credits that can reduce monthly costs by hundreds of dollars.
Residents with incomes near the poverty level may qualify for $0-premium Silver plans after tax credits are applied, making comprehensive coverage accessible without a monthly payment.
Working with a Health Plans of NC agent ensures Franklin County residents receive an accurate subsidy estimate based on their actual household size and income before selecting a plan.
Blue Cross NC is the carrier offering ACA Marketplace health insurance plans in Franklin County for 2026, with 16 total plans available across multiple coverage tiers and plan structures. The two available plan networks are Blue Advantage, a PPO offered off-Marketplace, and Blue Home with UNC Health Alliance, an HMO centered on UNC Health hospitals and affiliated providers. Blue Home with UNC Health Alliance connects Franklin County members directly to UNC Health Johnston and the broader UNC Health system, while Blue Advantage provides access to a large nationwide provider network suited to residents who want maximum flexibility. Choosing between these two networks has a direct impact on which local clinics, specialists, and hospitals Franklin County residents can access without incurring additional out-of-pocket costs. Health Plans of NC compares every available Blue Cross NC plan side-by-side at no cost, helping Franklin County residents select the structure and network that best fits their care needs.
Blue Cross NC, offering HMO plans through Blue Home with UNC Health Alliance and PPO plans through Blue Advantage, with 16 total plans available in Franklin 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, which opened eligibility to thousands of previously uninsured Franklin County residents. Franklin County currently has an uninsured rate of 9.8%, representing approximately 7,000 residents without coverage, many of whom may now qualify for Medicaid or subsidized Marketplace plans following expansion. Children in Franklin County families earning up to 210% of the federal poverty level may qualify for NC Health Choice, the state's CHIP program, providing low-cost coverage for pediatric care. Health Plans of NC offers free eligibility checks so Franklin County residents can quickly determine whether they qualify for Medicaid, CHIP, or a subsidized ACA plan.
Working adults in Franklin County earning at or below 138% of the federal poverty level are now eligible for full Medicaid coverage following North Carolina's expansion in December 2023.
Children in Franklin County households may qualify for NC Health Choice (CHIP) if family income falls at or below 210% of the federal poverty level, providing affordable pediatric coverage.
Pregnant women in Franklin County are eligible for Medicaid coverage that includes prenatal care, delivery, and postpartum services through qualifying providers in the local network.
Franklin County has a poverty rate of 10.1%, meaning a significant share of residents may qualify for Medicaid and receive care at local facilities including Maria Parham Health and the Franklin County Health Department.
Franklin County residents with disabilities or seniors with limited income may qualify for Medicaid programs that cover long-term care, prescription drugs, and specialty services beyond standard Marketplace plans.
Health Plans of NC licensed agents serve Franklin County residents at no cost, comparing every available 2026 plan side-by-side to find the right fit for your budget, providers, and household needs. Call 800-797-0327 today to speak with a local agent and get personalized help with enrollment at no charge.
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 Franklin 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 |
|---|---|---|
Central Regional Hospital | 300 Veazey Dr, Butner, NC 27509 | (919) 764-2000 |
Duke Raleigh Hospital | 3400 Wake Forest Rd, Raleigh, NC 27609 | (919) 954-3000 |
Granville Health System | 1010 College St, Oxford, NC 27565 | (919) 690-3000 |
Holly Hill Hospital | 3019 Falstaff Rd, Raleigh, NC 27610 | (919) 250-7000 |
Nash General Hospital | 2460 Curtis Ellis Dr, Rocky Mount, NC 27804 | (252) 962-8000 |
PAM Specialty Hosp Of Rocky Mt | 1051 Noell Ln, Rocky Mount, NC 27804 | (252) 451-2300 |
Rex Hospital | 4420 Lake Boone Trl, Raleigh, NC 27607 | (919) 784-3100 |
Strategic Behavioral Ctr Rlgh | 3200 Waterfield Dr, Garner, NC 27529 | (919) 800-4400 |
UNC Health Johnston | 509 N Brightleaf Blvd, Smithfield, NC 27577 | (919) 934-8171 |
UNC Hospitals At Wakebrook | 111 Sunnybrook Rd, Raleigh, NC 27610 | (984) 974-4800 |
WakeMed Cary Hospital | 1900 Kildaire Farm Rd, Cary, NC 27518 | (919) 350-8000 |
WakeMed North Hospital | 10000 Falls Of Neuse Rd, Raleigh, NC 27614 | (919) 350-8000 |
WakeMed Raleigh Campus | 3000 New Bern Ave, Raleigh, NC 27610 | (919) 350-8000 |
Wilson Medical Ctr | 1705 Tarboro St SW, Wilson, NC 27893 | (252) 399-8040 |
Clinic | Address | Phone |
|---|---|---|
Angier Pediatric & Adult Med | 441 Lakestone Commons Ave, Fuquay Varina, NC 27526 | (919) 577-0481 |
Benson Area Medical Ctr Inc | 11801 Vogel St, Raleigh, NC 27617 | (919) 207-4403 |
Beverly Medical Ctr | 6008 Creedmoor Rd, Raleigh, NC 27612 | (919) 844-4552 |
Brier Creek Medical Pavilion | 10207 Cerny St, Raleigh, NC 27617 | (919) 634-6269 |
Carolina Neuropsychology Svc | 3900 Barrett Dr # 102, Raleigh, NC 27609 | (919) 859-9040 |
Carolinas Center For Med | 3600 Glenwood Ave # 120, Raleigh, NC 27612 | (919) 461-5500 |
Clayton Dialysis Ctr | 86 Healthpark Way, Clayton, NC 27520 | (919) 550-7456 |
Clinton Dialysis Unit | 545 E Market St, Smithfield, NC 27577 | (919) 934-2826 |
Duke Raleigh Hosp Palliative | 3404 Wake Forest Rd, Raleigh, NC 27609 | (919) 862-5400 |
Duke Raleigh Hosp Pre | 3300 Executive Dr, Raleigh, NC 27609 | (919) 954-3940 |
Duke Raleigh Hosp | 3404 Wake Forest Rd, Raleigh, NC 27609 | (919) 862-5718 |
Duke Rheumatology Raleigh | 3480 Wake Forest Rd # 414, Raleigh, NC 27609 | (919) 613-2243 |
Duke Spine-Pain Mgmt-Raleigh | 3480 Wake Forest Rd, Raleigh, NC 27609 | (919) 862-5367 |
Duke Women's Health Heritage | 3000 Rogers Rd, Wake Forest, NC 27587 | (919) 385-2940 |
Eastern Carolina Pathology | 2693 Forest Hills Rd SW # B, Wilson, NC 27893 | (252) 234-2841 |
ECU Health Family Medicine | 1704 Glendale Dr. SW, Wilson, NC 27893 | (252) 246-8960 |
Fastmed Family Medicine | 11491 US 70 Business Hwy W, Clayton, NC 27520 | (919) 550-2484 |
Fastmed Family Medicine | 5156 N Carolina 42, Garner, NC 27529 | (919) 329-5000 |
Goshen Medical Ctr Inc | 1624 White Oak Church Rd, Apex, NC 27523 | (941) 267-2042 |
Granville Medical Ctr | 1010 College St, Oxford, NC 27565 | (919) 690-3000 |
Karissa Binkley | 1021 W Williams St # 105, Apex, NC 27502 | (919) 961-9885 |
Meso & Beyond Medical Ctr | 1000 N Main St # 100, Fuquay Varina, NC 27526 | (919) 285-4373 |
Pai Wellness Group | 9380 Falls Of Neuse Rd # 101, Raleigh, NC 27615 | (919) 529-3355 |
Rocky Mt Medical Park | 901 N Winstead Ave, Rocky Mount, NC 27804 | (252) 937-8507 |
Siemens Medical Solutions | 209 Gregson Dr, Cary, NC 27511 | (919) 461-0132 |
Smithfield Pulmonology | 706 Wilkins St # A, Smithfield, NC 27577 | (919) 989-1800 |
Southern Wake Medical Ctr | 415 Wake Chapel Rd, Fuquay Varina, NC 27526 | (919) 552-9143 |
Synchrony Energetics Incl | 3201 Nash St NW # A, Wilson, NC 27896 | (252) 373-4722 |
UNC Fertility | 7920 Acc Blvd # 300, Raleigh, NC 27617 | (919) 908-0000 |
Voyage Anesthesia PC | 101 Forest Dr # D, Knightdale, NC 27545 | (919) 341-0188 |
Wake Health Svc | , Franklinton, NC 27525 | (919) 494-5246 |
WakeMed Brier Creek Healthplex | 8001 T W Alexander Dr, Raleigh, NC 27617 | (919) 350-8000 |
Franklin County ZIP Codes include: 27508, 27525, 27549, and 27596
