Find Your Most Affordable Health Insurance Plan in Guilford County
in North Carolina
Guilford County residents can compare 17 health insurance options for 2026.
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 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.
Blue Home with Cone Health is a good option if you prefer to receive care from Cone Health’s network of doctors.
One of the region’s largest and most comprehensive health care networks, with more than 150 locations, including five hospitals, six ambulatory care centers, three outpatient surgery centers, 11 urgent care centers, and more than 120 physician practices1
Hospitals that have been recognized by U.S. News & World Report as “High Performing” in key areas of care, and a network that has been ranked as the top hospital system in the Greensboro/Winston-Salem metro area2
Notes
Blue Cross and Blue Shield of North Carolina (Blue Cross NC) has collaborated with Cone Health to bring you Blue Home with Cone Health. Blue Home with Cone Health is a health insurance plan offered by Blue Cross NC that provides access to a limited network of providers. Cone Health is an independent company that is solely responsible for the physicians and medical facilities it owns and operates. Cone Health does not offer Blue Cross or Blue Shield products or services.
About Cone Health. Cone Health. www.conehealth.com/news/news-search/2025-news-releases/trusted-for-what-matters-most-cone-health-excels-in-key-areas-of/ (Accessed August 2025).
in North Carolina
Find affordable health insurance in Guilford County, NC with Health Plans of NC. Health Plans of NC helps Guilford County residents find and enroll in the right health insurance plan at no cost, connecting them to coverage that works with local health systems like Cone Health and major employers such as Guilford County Schools and FedEx.
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 Guilford County |
Blue Home with Cone Health | PPO | Available in Guilford County |
Guilford County is home to 542,987 residents, reflecting 0.3 percent growth since 2020, with 11.4 percent of the population born outside the United States, creating a diverse community with varied coverage needs across income levels and employment situations. The county's major employers, including Guilford County Schools, Cone Health, the City of Greensboro, FedEx, and the US Postal Service, offer employer-sponsored plans to many residents, while others rely on ACA Marketplace coverage, Medicaid, or other options. Health Plans of NC helps residents across all situations evaluate every available path to coverage, from Marketplace plans tied to local health systems like Cone Health Moses Cone Hospital and Novant Health to public programs designed for those not covered through work.
ACA Marketplace coverage through Blue Cross NC is available to Guilford County residents who do not receive insurance through employers like Guilford County Schools or Cone Health.
Medicaid through NC Medicaid Managed Care provides free or low-cost coverage to eligible Guilford County residents who meet income requirements and are not covered through work.
Employer-sponsored health insurance is available to many residents employed by large Guilford County organizations such as FedEx, the US Postal Service, and the City of Greensboro.
COBRA continuation coverage allows Guilford County residents who recently left jobs at employers like Cone Health or Guilford County Schools to maintain their existing plan temporarily.
Short-term health plans may serve as a bridge for Guilford County residents between jobs or waiting for open enrollment, though they offer limited benefits compared to ACA-compliant plans.
Small business SHOP Marketplace plans allow Guilford County small business owners to offer their employees ACA-compliant coverage tied to local providers including Novant Health and Cone Health.
For 2026, Guilford County residents can choose from four Blue Cross NC plan networks spanning PPO structures, each connecting enrollees to different combinations of local hospitals and health systems across Greensboro and High Point. The available networks include Blue Advantage, Blue Care, Blue Local with Atrium Health, and Blue Home with Cone Health, giving residents flexibility to select a plan that aligns with their preferred providers. Health Plans of NC helps residents understand how each network affects access to facilities like Cone Health Moses Cone Hospital, Cone Health Wesley Long Hospital, and High Point Medical Center.
Blue Advantage, a PPO plan, offers the largest nationwide network with more than 95 percent of North Carolina doctors in-network, making it well suited for Guilford County residents who travel or see specialists across the state.
Blue Care, a PPO plan, provides a broad statewide network covering more than 92 percent of North Carolina doctors in-network, giving Guilford County residents access to a wide range of local and regional providers.
Blue Local with Atrium Health, a PPO plan, is available in Guilford County and connects enrollees to Atrium Health facilities alongside other in-network providers serving the Greensboro and High Point areas.
Blue Home with Cone Health, a PPO plan, is available in Guilford County and is built around the Cone Health system, including Cone Health Moses Cone Hospital, Cone Health Wesley Long Hospital, and Cone Health Annie Penn Hospital.
All four networks are offered through Blue Cross NC and are available across the full range of metal tiers, allowing Guilford County residents to match their preferred provider network with the cost-sharing level that fits their needs.
Health Plans of NC agents compare all four Blue Cross NC plan networks side by side at no cost, helping Guilford County residents identify which network best fits their relationships with local providers like Novant Health or Cone Health.
Bronze plans in Guilford County start at approximately $491.92/month before subsidies. With a median household income of $66,027, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Guilford County start at $491.92 per month for a 35-year-old, offering the lowest monthly premiums with higher deductibles, making them a fit for generally healthy adults.
Silver plans start at $644.87 per month and are the only tier eligible for cost-sharing reductions, which can lower deductibles and copays for qualifying Guilford County residents.
Gold plans start at $669.68 per month and feature lower out-of-pocket costs throughout the year, making them a strong option for residents who use healthcare services regularly.
Guilford County residents with household incomes up to 400 percent of the federal poverty level may qualify for premium tax credits that reduce monthly costs well below published starting prices.
Some Guilford County residents with incomes near the federal poverty threshold may qualify for enhanced subsidies that bring Silver plan premiums down to zero dollars per month.
Health Plans of NC agents calculate exact subsidy amounts for each Guilford County household at no cost, ensuring residents do not leave available financial assistance on the table during enrollment.
Blue Cross NC is the carrier offering individual and family ACA Marketplace plans in Guilford County for 2026, with 17 total plans available across the county. These plans are offered through four PPO networks, Blue Advantage, Blue Care, Blue Local with Atrium Health, and Blue Home with Cone Health, each structured to connect enrollees to different provider combinations across Greensboro and High Point. Blue Home with Cone Health is built around the Cone Health system and gives enrollees in-network access to facilities including Cone Health Moses Cone Hospital, Cone Health Wesley Long Hospital, and Cone Health Annie Penn Hospital, while Blue Local with Atrium Health connects members to Atrium Health providers available in the county. The choice of network directly determines whether a Guilford County resident can access specialized services such as the Cone Health Cancer Center or Novant Health locations without facing out-of-network costs. Health Plans of NC compares every Blue Cross NC plan side by side at no cost, helping residents identify the network and metal tier combination that best fits their provider preferences and financial situation.
Blue Cross NC, offering 17 individual and family ACA Marketplace plans in Guilford County for 2026, available as PPO plans across four distinct provider networks.
North Carolina expanded Medicaid in December 2023, extending eligibility to adults earning up to 138 percent of the federal poverty level and opening coverage to thousands of Guilford County residents who previously had no affordable option. Guilford County currently has an uninsured rate of 9.0 percent, representing approximately 49,000 people without coverage, many of whom may now qualify for Medicaid or subsidized Marketplace plans. 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 across the county. Health Plans of NC offers free eligibility checks for Guilford County residents who want to find out whether they qualify for Medicaid, CHIP, or other programs.
Working adults in Guilford County who earn below 138 percent of the federal poverty level and are not covered through an employer may now qualify for NC Medicaid following the December 2023 expansion.
Children in Guilford County whose families earn up to 210 percent of the federal poverty level may qualify for NC Health Choice, which provides comprehensive low-cost coverage for minors.
Pregnant women in Guilford County may qualify for Medicaid coverage that includes prenatal care, labor and delivery, and postpartum services through the NC Medicaid Managed Care program.
Guilford County's poverty rate of 15.2 percent means a significant share of residents may qualify for Medicaid or reduced-cost coverage, making an eligibility check an important first step.
People with disabilities in Guilford County may qualify for Medicaid regardless of age if they meet income and functional eligibility criteria under federal and state guidelines.
Health Plans of NC licensed agents serve Guilford County residents at no cost, comparing every available plan side by side and guiding you through enrollment from start to finish. Call 800-797-0327 today to speak with an agent who knows the Guilford County market and can help you find the right coverage for your budget and your healthcare needs.
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 Guilford 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 |
|---|---|---|
Chatham Hospital | 475 Progress Blvd, Siler City, NC 27344 | (919) 799-4000 |
Cone Health Alamance Regl Med | 1240 Huffman Mill Rd, Burlington, NC 27215 | (336) 538-7000 |
Cone Health Annie Penn Hosp | 618 S Main St, Reidsville, NC 27320 | (336) 951-4000 |
Cone Health Behavioral Health | 700 Walter Reed Dr, Greensboro, NC 27403 | (336) 832-9700 |
Cone Health Medcenter High Pnt | 2630 Willard Dairy Rd, High Point, NC 27265 | (336) 884-3777 |
Cone Health Moses Cone Hosp | 1121 N Church St, Greensboro, NC 27401 | (336) 832-7000 |
Cone Health Wesley Long Hosp | 2400 W Friendly Ave, Greensboro, NC 27403 | (336) 832-1000 |
Cone Health Women's-Children's | 1121 N Church St, Greensboro, NC 27401 | (336) 832-6500 |
Duke Children's Hosp & Health | 2301 Erwin Rd, Durham, NC 27705 | (919) 668-4000 |
Duke Regional Hospital | 3643 N Roxboro St, Durham, NC 27704 | (919) 470-4000 |
Duke University Hospital | 2301 Erwin Rd, Durham, NC 27705 | (919) 684-8111 |
Durham VA Medical Ctr | 508 Fulton St, Durham, NC 27705 | (919) 286-0411 |
High Point Medical Ctr | 601 N Elm St, High Point, NC 27262 | (336) 878-6000 |
Kindred Healthcare | 2401 S Side Blvd, Greensboro, NC 27406 | (336) 604-2300 |
Lenox Baker Children's Hosp | 3000 Erwin Rd, Durham, NC 27705 | (919) 684-6669 |
North Carolina Specialty Hosp | 3916 Ben Franklin Blvd, Durham, NC 27704 | (919) 956-9300 |
Person Memorial Hospital | 615 Ridge Rd, Roxboro, NC 27573 | (336) 599-2121 |
Randolph Health | 364 White Oak St, Asheboro, NC 27203 | (336) 625-5151 |
Randolph Hospital | 364 White Oak St, Asheboro, NC 27203 | (336) 625-5151 |
Select Specialty Hosp-Durham | 3643 N Roxboro St # 6, Durham, NC 27704 | (984) 569-4040 |
Select Specialty Hosp-Grnsbr | 1200 N Elm St # 5, Greensboro, NC 27401 | (336) 832-5700 |
UNC Hospitals | 101 Manning Dr, Chapel Hill, NC 27514 | (984) 974-1000 |
UNC Rockingham Health Care | 117 E Kings Hwy, Eden, NC 27288 | (336) 623-9711 |
Clinic | Address | Phone |
|---|---|---|
Alamance Ear Nose & Throat LLP | 4030 Oaks Professional Pkwy # 201, Burlington, NC 27215 | (336) 226-0660 |
Alamance Regional Medical Ctr | 1240 Huffman Mill Rd, Burlington, NC 27215 | (336) 538-7000 |
Alamance Regional Pain Clinic | 1236 Huffman Mill Rd # 2000, Burlington, NC 27215 | (336) 538-7180 |
Bethany Medical At North Main | 819 N Main St # 112, High Point, NC 27262 | (336) 289-2299 |
Bethany Medical At South Main | 2805 S Main St, High Point, NC 27263 | (336) 289-2727 |
Bethany Medical Ctr | 3604 Peters Ct, High Point, NC 27265 | (336) 883-0029 |
Bethany Medical Ctr | 3801 W Market St, Greensboro, NC 27407 | (336) 883-0029 |
Bethany Medical Ctr | 507 N Lindsay St, High Point, NC 27262 | (336) 883-0029 |
Central Carolina Health Ntwrk | 1 Centerview Dr # 202, Greensboro, NC 27407 | (336) 292-0665 |
Chapel Hill Obstetrics-Gynecology | 6216 Fayetteville Rd, Durham, NC 27713 | (919) 942-8571 |
Clinical Choice | 7300 Cessna Dr, Greensboro, NC 27409 | (336) 550-4180 |
Cone Health Ctr For Maternal | 930 3rd St # 200, Greensboro, NC 27405 | (336) 890-3255 |
Cone Health Mebane Physical | 102 Medical Park Dr, Mebane, NC 27302 | (919) 304-5060 |
Cone Health Medcenter Mebane | 3940 Arrowhead Blvd # 110, Mebane, NC 27302 | (919) 568-7300 |
Cone Health Outpatient Rehab | 618 S Main St Inside Annie Pen, Reidsville, NC 27320 | (336) 951-4000 |
Cone Health Sleep Disorders | 509 N Elam Ave # 300-D, Greensboro, NC 27403 | (336) 832-0410 |
Cone Health Women's-Children's | 1121 N Church Street Entrance, Greensboro, NC 27401 | (336) 832-6500 |
Duke Cancer Ctr Acute Care | 20 Duke Medicine Cir, Durham, NC 27710 | (919) 668-6608 |
Duke Cancer Ctr Radiation | 20 Duke Medicine Cir, Durham, NC 27710 | (919) 660-2100 |
Duke Children's Health Ctr | 2301 Erwin Rd # 34ththfloor, Durham, NC 27705 | (919) 613-7777 |
Duke Health | 234 Crooked Creek Pkwy # 500, Durham, NC 27713 | (919) 684-3834 |
Duke Pediatric Dermatology | 5324 Mcfarland Rd # 410, Durham, NC 27707 | (919) 684-3432 |
Duke University Med Ctr Gen | , Durham, NC 27701 | (919) 684-2410 |
Duke University Med Ctr Gen | , Durham, NC 27710 | (919) 681-4722 |
Duke University Med Ctr Gen | PO Box 90950, Durham, NC 27708 | (919) 681-2020 |
Duke Wound Mgmt Clinic-Clinic | 40 Duke Medicine Cir, Durham, NC 27710 | (919) 684-3432 |
Health Center Of Hillsborough | 401 Meadowlands Dr # 101, Hillsborough, NC 27278 | (919) 241-5032 |
Lebauer Healthcare At Green | 709 Green Valley Rd, Greensboro, NC 27408 | (336) 547-1792 |
Lebauer Healthcare Grandover | 4023 Guilford College Rd, Greensboro, NC 27407 | (336) 890-2040 |
Lebauer Primary Care At Elam | 520 N Elam Ave, Greensboro, NC 27403 | (336) 547-1792 |
Renaissance Family Medicine | 2525c Phillips Ave, Greensboro, NC 27405 | (336) 832-7711 |
Sleep Disorders Ctr At | 1248 Huffman Mill Rd # 101, Burlington, NC 27215 | (866) 937-6692 |
UNC At Chapel Hill Medical Ctr | Cb 7010, Chapel Hill, NC 27599 | (919) 966-5136 |
UNC Hospitals Lab Hillsborough | 460 Waterstone Dr # Firstfloor, Hillsborough, NC 27278 | (919) 595-5970 |
UNC Hospitals Multispecialty | 101 Manning Dr # Firstfloor, Chapel Hill, NC 27514 | (984) 974-0150 |
University-NC-Health Care | 100 Sprunt St, Chapel Hill, NC 27517 | (919) 966-5500 |
Guilford County ZIP Codes include: 27214, 27235, 27249, 27260, 27261, 27262, 27264, 27265, 27268, 27282, 27283, 27301, 27310, 27313, 27342, 27358, 27377, 27395, 27401, 27402, 27403, 27404, 27405, 27406, 27407, 27408, 27409, 27410, 27411, 27412, 27413, 27415, 27416, 27417, 27419, 27420, 27425, 27427, 27429, 27435, 27438, 27455, 27480, 27495, 27497, 27498, and 27499
