Find Your Most Affordable Health Insurance Plan in Graham County
in North Carolina
Graham County residents can compare 12 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 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 Graham County, NC with Health Plans of NC. Health Plans of NC helps residents of Graham County, North Carolina find affordable health insurance coverage that fits their household needs and budget. Whether you work for Graham County Schools, receive care through Murphy Medical Center, or are self-employed in the mountains of western North Carolina, our licensed agents guide you through every available option at no cost.
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 |
Graham County is home to 8,041 residents, a community that has grown 0.1 percent since 2020, with 2.4 percent of residents born outside the United States, reflecting a diverse population with varied coverage needs. Major employers including Graham County Schools, Graham County government, Crisp and Crisp Construction, Ingles Markets, and Principle Long Term Care each offer different employment situations that shape which type of health insurance makes the most sense for working families. Health systems such as Murphy Medical Center and Mission Health HCA serve as the backbone of local healthcare delivery, making the choice of coverage type and provider network especially important for Graham County residents.
ACA Marketplace coverage through Blue Cross NC gives Graham County residents who are self-employed or between jobs access to comprehensive plans with federal subsidy support.
Medicaid expansion coverage is available to income-qualifying Graham County adults who work in lower-wage positions at employers like Ingles Markets or Principle Long Term Care.
Employer-sponsored insurance through organizations like Graham County Schools or Graham County government provides group health benefits to eligible full-time employees and their families.
Short-term health plans may serve Graham County residents who need temporary gap coverage between jobs or outside of open enrollment periods, with limited benefits compared to ACA plans.
COBRA continuation coverage allows former employees of Graham County employers to keep their existing group plan for a limited period after leaving a job, maintaining access to familiar local providers.
Small business SHOP marketplace plans give small employers in Graham County, including local contractors like Crisp and Crisp Construction, a way to offer group coverage to their employees through the ACA marketplace.
For 2026, Graham County residents have access to plans through two Blue Cross NC networks, Blue Advantage and Blue Care, both structured as PPO plans that allow members to access a broad range of providers across western North Carolina. The Blue Advantage PPO network provides the largest nationwide network coverage, while the Blue Care PPO network offers broad statewide access, and both connect Graham County residents to nearby facilities including Swain Community Hospital, Harris Regional Hospital, Erlanger Western Carolina Hospital, and Angel Medical Center. Health Plans of NC helps residents of Robbinsville, Lake Santeetlah, Fontana Dam, and surrounding communities compare these network options side by side to confirm their preferred doctors and hospitals are included before enrolling.
Blue Advantage PPO covers more than 95 percent of North Carolina doctors in-network, giving Graham County residents wide access to providers across the region.
Blue Advantage PPO connects members to local facilities including Erlanger Western Carolina Hospital in Murphy and Harris Regional Hospital in Sylva through its expansive nationwide network.
Blue Care PPO includes more than 92 percent of North Carolina doctors in-network, offering Graham County residents broad statewide provider access at a potentially different premium level.
Blue Care PPO provides in-network access to area hospitals such as Swain Community Hospital in Bryson City and Angel Medical Center in Franklin, which are key facilities for Graham County residents.
Both Blue Advantage and Blue Care PPO plans cover preventive care, specialist visits, and hospital services, with network verification recommended before enrollment for rural Graham County households.
Graham Healthcare and Rehabilitation Center in Robbinsville serves local residents who need long-term or rehabilitative care, making network confirmation for that specific facility an important step when choosing between Blue Advantage and Blue Care.
Bronze plans in Graham County start at approximately $563.81/month before subsidies. With a median household income of $49,038, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans start at $563.81 per month for a 35-year-old in Graham County, offering the lowest monthly premiums with higher deductibles and out-of-pocket costs when care is needed.
Silver plans start at $724.63 per month and are the only tier eligible for cost-sharing reductions, which lower deductibles and copays for households qualifying at up to 250 percent of the federal poverty level.
Gold plans start at $749.33 per month and feature lower out-of-pocket costs at the time of care, making them a strong fit for Graham County residents who use medical services frequently.
Graham County residents with household income between 100 and 400 percent of the federal poverty level qualify for premium tax credits that can reduce monthly costs well below the published starting prices.
Some Graham County households may qualify for a $0 premium Silver plan after tax credits are applied, depending on their income relative to the federal poverty level and household size.
Out-of-pocket maximums for 2026 ACA plans cap the total annual cost-sharing exposure for Graham County residents, providing a financial safety net for those facing serious illness or hospitalization.
Blue Cross NC is the sole ACA Marketplace carrier offering plans in Graham County for 2026, with 12 plans available across multiple coverage tiers to serve the county's residents. These 12 plans are offered through two PPO network options, Blue Advantage and Blue Care, giving Graham County residents a choice between the largest nationwide network and a broad statewide network depending on their provider preferences. The Blue Advantage network connects members to local hospitals and health systems including Erlanger Western Carolina Hospital, Swain Community Hospital, and Harris Regional Hospital, while Blue Care similarly covers key regional facilities across western North Carolina. Network choice is especially important for Graham County residents who live in rural areas and may rely on a specific local hospital or specialist, making it critical to verify provider participation before selecting a plan. Health Plans of NC licensed agents compare every available Blue Cross NC plan side by side at no cost, helping Graham County residents identify the best combination of network, premium, and coverage level for their situation.
Blue Cross NC, PPO plans through Blue Advantage and Blue Care networks, 12 total plans available in Graham County for 2026.
North Carolina expanded Medicaid in December 2023, and Graham County residents with household incomes at or below 138 percent of the federal poverty level may now qualify for free or very low-cost Medicaid coverage. Graham County currently has an uninsured rate of 13.7 percent, representing approximately 1,000 residents, many of whom may be newly eligible for Medicaid or marketplace subsidies they have not yet accessed. Children in Graham 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 low-cost coverage for pediatric care. Health Plans of NC offers free eligibility checks for Graham County residents who want to find out whether they qualify for Medicaid, CHIP, or marketplace coverage.
Working adults in Graham County earning at or below 138 percent of the federal poverty level may now qualify for full Medicaid coverage under North Carolina's expansion.
Children in Graham County families may qualify for NC Health Choice, the CHIP program, which covers doctor visits, dental, vision, and preventive care at little to no cost.
Pregnant women in Graham County are eligible for Medicaid coverage that includes prenatal care, labor and delivery, and postpartum services through qualifying income thresholds.
Seniors and individuals with disabilities in Graham County with limited income and resources may qualify for both Medicaid and Medicare, with Medicaid helping to cover costs Medicare does not pay.
With 8.7 percent of Graham County residents living below the poverty line, a meaningful share of the county's population likely qualifies for Medicaid at no monthly premium cost.
Health Plans of NC licensed agents serve Graham County residents at no cost, comparing every available plan side by side to help you find the right coverage for your household and budget. Call us today at 800-797-0327 to get personalized guidance and complete your enrollment 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 Graham 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 |
|---|---|---|
Angel Medical Ctr | 124 One Center Ct, Franklin, NC 28734 | (828) 524-8411 |
Cherokee Indian Hospital | 1 Hospital Rd, Cherokee, NC 28719 | (828) 497-9163 |
Erlanger Western Carolina Hosp | 3990 E US 64 Alt, Murphy, NC 28906 | (828) 837-8161 |
Harris Regional Hospital | 68 Hospital Rd, Sylva, NC 28779 | (828) 586-7000 |
Haywood Regional Medical Ctr | 262 Leroy George Dr, Clyde, NC 28721 | (828) 456-7311 |
Highlands-Cashiers Hospital | 190 Hospital Dr, Highlands, NC 28741 | (828) 526-1200 |
Swain Community Hospital | 45 Plateau St # 230, Bryson City, NC 28713 | (828) 488-2155 |
Transylvania Regional Hospital | 260 Hospital Dr, Brevard, NC 28712 | (828) 884-9111 |
Unity Healing Ctr | 448 Sequoyah Trl, Cherokee, NC 28719 | (828) 497-1800 |
Clinic | Address | Phone |
|---|---|---|
Angel Medical Ctr | 56 Medical Park Dr, Franklin, NC 28734 | (828) 542-8411 |
Asheville Cardiology Assoc | 190 Hospital Dr # 104, Highlands, NC 28741 | (828) 274-6000 |
Atlanta Gastroenterology Assoc | 145 Medical Park Ln # K, Murphy, NC 28906 | (404) 257-9000 |
Center For Family Medicine | 55 Holly Springs Park Dr, Franklin, NC 28734 | (828) 349-3550 |
Haywood Regional Medical Ctr | , Waynesville, NC 28786 | (828) 452-8070 |
Mission Community Primary Care | 57 White Owl Ln, Cashiers, NC 28717 | (828) 743-2491 |
Mission Health Ctr Highlands | 190 Hospital Dr, Highlands, NC 28741 | (828) 526-4942 |
Mission Urology-Brevard | 89 Hospital Dr # C, Brevard, NC 28712 | (828) 883-5858 |
Murphy Medical Ctr Emergency | 3990 E US 64 Alt, Murphy, NC 28906 | (828) 837-8300 |
Murphy Medical Ctr Human RSRCS | , Murphy, NC 28906 | (828) 835-7683 |
Murphy Medical Ctr Radiology | 3990 E US 64 Alt, Murphy, NC 28906 | (828) 835-7540 |
Murphy Medical Ctr | 3990 E US Highway 64 Alternate, Murphy, NC 28906 | (828) 835-7502 |
Murphy Medical Ctr | 4130 115 Highway 64 E, Murphy, NC 28906 | (828) 835-7505 |
Orthopedics-Sports Medicine | 190 Riverview St, Franklin, NC 28734 | (828) 349-8260 |
Ozarks Medical Ctr | PO Box 330, Marble, NC 28905 | (417) 257-5802 |
Primary Care Franklin | 190 Riverview St, Franklin, NC 28734 | (828) 349-6800 |
VA Medical Ctr | 45 HI Lane St, Canton, NC 28716 | (828) 298-7911 |
Graham County ZIP Codes include: 28702, 28733, and 28771
