Find Your Most Affordable Health Insurance Plan in Haywood County
in North Carolina
Haywood County residents can compare 15 health insurance options for 2025.
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.
in North Carolina
Find affordable health insurance in Haywood County, NC with Health Plans of NC. Haywood County, NC residents have access to health insurance plans through Blue Cross NC, with 15 plans available for 2025 across a range of coverage levels and price points. With an uninsured rate of 11.3 percent, representing approximately 7,000 county residents without coverage, finding the right plan is a pressing local need. Health Plans of NC helps Haywood County families compare every available option at no cost, connecting them to coverage that works with local providers like Haywood Regional Medical Center and the county's many primary care and specialty clinics.
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 |
Haywood County residents can choose from a variety of health insurance coverage types depending on their income, employment status, and healthcare needs. With 15 plans available through Blue Cross NC in 2025, options range from lower-premium plans designed for healthy individuals to comprehensive plans suited for families managing chronic conditions or accessing specialty care at facilities like Haywood Regional Medical Center and the Haywood Regional Cancer Center. Understanding which plan type fits your situation is especially important in a county where 11.3 percent of residents remain uninsured and median household income sits at $61,001.
Lower-premium, higher-deductible plans suit younger or healthier Haywood County residents who want coverage for unexpected emergencies and use facilities like Haywood Regional Medical Center infrequently.
Mid-tier plans with balanced premiums and cost-sharing work well for Haywood County families who regularly visit primary care providers like Haywood Family Medicine, Waynesville Family Medicine, or Mountain Medical Associates.
Comprehensive, higher-premium plans are designed for residents managing serious or ongoing conditions, including those receiving cancer care at the Haywood Regional Cancer Center or gastroenterological treatment at the Digestive Health Center.
Catastrophic coverage plans are available to qualifying younger adults in Haywood County who need a financial safety net but have minimal routine healthcare needs and want to keep monthly costs as low as possible.
Medicaid and NC Medicaid Managed Care coverage is available to Haywood County residents who meet income thresholds, with North Carolina's Medicaid expansion opening eligibility to many adults at or below 138 percent of the federal poverty level.
Employer-sponsored plan options may be available through Haywood County's major local employers, and residents not covered through work can enroll in an individual or family plan through Blue Cross NC on the ACA marketplace.
For 2025, Blue Cross NC is the carrier offering health insurance plans in Haywood County, with 15 plans available across multiple coverage structures including HMO, PPO, EPO, and catastrophic options. HMO plans typically require residents to use a defined network of local providers, while PPO plans offer more flexibility to see specialists and out-of-network providers across the western North Carolina region. Blue Cross NC networks in Haywood County interact with key local health systems and facilities including Haywood Regional Medical Center, the Haywood Regional Behavioral Health Hospital, and area clinics such as Haywood Family Medicine and Mountain Medical Associates, making network compatibility a critical factor when selecting a plan. Choosing a plan whose network aligns with your preferred local providers ensures uninterrupted access to primary care, specialty services, and mental health treatment available throughout the county. Health Plans of NC agents compare every available Blue Cross NC plan side by side at no cost to help Haywood County residents identify the option that best fits their provider preferences and budget. With a median household income of $61,001 and 11.3 percent of residents currently uninsured, selecting the right carrier and plan structure can make a significant difference in both affordability and access to the county's healthcare infrastructure.
Blue Cross NC, offering 15 health insurance plans in Haywood County for the 2025 plan year
Bronze plans in Haywood County start at approximately $482.73/month before subsidies. With a median household income of $61,001, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Plans in Haywood County start at $482.73 per month before tax credits, making subsidy eligibility a key factor for most residents earning near or below the county's $61,001 median income.
Residents earning between 100 and 400 percent of the federal poverty level qualify for Advance Premium Tax Credits that can substantially lower monthly premiums below the $482.73 starting price.
Haywood County adults earning up to 138 percent of the federal poverty level may qualify for NC Medicaid after expansion, potentially accessing free or very low-cost coverage without purchasing a marketplace plan.
Households with incomes between 100 and 250 percent of the federal poverty level may also qualify for Cost Sharing Reduction subsidies that lower deductibles and out-of-pocket costs on applicable plans.
With a poverty rate of 11.3 percent in Haywood County, a meaningful share of residents may be eligible for $0-premium or near-zero-cost plans through Medicaid or heavily subsidized marketplace coverage.
Comparing all 15 available Blue Cross NC plans with a Health Plans of NC agent ensures Haywood County residents do not overpay and fully capture every subsidy or cost-sharing benefit available to them.
Individual and Family plan premiums in Haywood County before subsidies: Bronze plans start at $482.73/month (lowest premiums, highest deductible); Silver plans start at $620.43/month (mid-range cost, eligible for cost-sharing reductions); Gold plans start at $641.58/month (higher premiums, lower out-of-pocket). Catastrophic coverage is also available for Haywood County residents under 30 or with a hardship exemption. Most Haywood County residents qualify for ACA premium tax credits that can significantly lower monthly costs. Health Plans of NC provides free personalized quotes with exact subsidy calculations.
North Carolina expanded Medicaid in December 2023. Haywood County residents earning up to 138% of the federal poverty level may qualify for free or low-cost coverage. Currently 11.3% of Haywood County residents (about 7,000 people) are uninsured. Many may now qualify. Children in families earning up to 210% FPL may qualify for NC Health Choice (CHIP). Call Health Plans of NC for a free eligibility check.
Haywood County is home to 62,432 residents. The median household income is $61,001. The county has grown 0.6% since 2020. The uninsured rate is 11.3%. 2.2% of residents are foreign-born. Health Plans of NC helps Haywood County residents find the right plan at no cost.
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 |
Haywood County ZIP Codes include: 28716, 28721, 28738, 28745, 28751, 28785, and 28786
