Find Your Most Affordable Health Insurance Plan in Haywood County
in North Carolina
Haywood County residents can compare 15 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 Haywood County, NC with Health Plans of NC. Health Plans of NC helps residents find affordable health insurance in Haywood County, NC, with access to plans that connect to local providers like Haywood Regional Medical Center. Whether you work for Haywood County Schools, shop at Ingles Markets, or are self-employed in the region, our licensed agents compare 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 |
Haywood County is home to 62,432 residents and has grown 0.6 percent since 2020, with 2.2 percent of residents born outside the United States, reflecting a community with diverse healthcare access needs. Major employers including Haywood County Schools, Haywood Regional Medical Center, County of Haywood, Ingles Markets, and Walmart anchor the local economy and shape the coverage landscape for working families. Health systems like Haywood Regional Medical Center and Mission Health HCA serve as the backbone of local care, making plan compatibility with these providers an essential consideration for every Haywood County resident.
ACA Marketplace plans through Blue Cross NC are available to Haywood County residents who do not have access to job-based coverage through employers like Ingles Markets or Walmart.
Medicaid coverage is available to qualifying low-income Haywood County adults following North Carolina's expansion, giving many residents access to providers at Haywood Regional Medical Center at little or no cost.
Employer-sponsored health insurance is offered by major Haywood County employers such as Haywood County Schools and the County of Haywood, covering a significant share of the local workforce and their dependents.
Short-term health plans may be considered by Haywood County residents in coverage gaps, though these plans do not meet ACA standards and may limit access to specialty care within the Mission Health HCA network.
COBRA continuation coverage allows Haywood County residents who recently left jobs at employers like Haywood Regional Medical Center to temporarily maintain their existing group health plan benefits.
Small business SHOP Marketplace plans are an option for small employers in Haywood County who want to offer group coverage to employees and gain access to a broader range of Blue Cross NC plan structures.
For 2026, Haywood County residents can choose from 15 plans offered through Blue Cross NC across two plan networks: Blue Advantage and Blue Care, both structured as PPO plans that allow access to a broad range of local and regional providers. Blue Advantage connects enrollees to the largest nationwide PPO network, while Blue Care offers a broad statewide PPO network, both of which interact with key local facilities including Haywood Regional Medical Center and Mission Health HCA. Health Plans of NC helps Haywood County residents compare every available plan within these networks side by side at no cost to ensure compatibility with their preferred doctors and specialists.
Blue Advantage, PPO, covers 95 percent or more of NC doctors in-network and includes access to Haywood Regional Medical Center and Mission Health HCA facilities throughout western North Carolina.
Blue Care, PPO, covers 92 percent or more of NC doctors in-network and provides broad statewide access to primary care and specialty providers serving Haywood County residents.
Both Blue Advantage and Blue Care PPO plans allow Haywood County residents to see specialists without a referral, offering flexibility for those using services at Haywood Regional Medical Center.
Blue Advantage is well suited for Haywood County residents who travel frequently or need access to providers outside the western North Carolina region through its nationwide PPO network.
Blue Care is a strong option for Haywood County residents whose care is centered locally within the Mission Health HCA system and statewide Blue Cross NC provider network.
Catastrophic coverage plans are available within the 2026 lineup for qualifying Haywood County residents under age 30 or those who meet a hardship exemption, providing a lower-cost safety net option.
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.
Bronze plans start at $482.73 per month for a 35-year-old in Haywood County before tax credits, offering the lowest monthly premiums with higher out-of-pocket costs when care is needed.
Silver plans start at $620.43 per month before subsidies and are the only tier eligible for Cost Sharing Reduction subsidies that lower deductibles and copays for qualifying Haywood County households.
Gold plans start at $641.58 per month before tax credits and offer lower out-of-pocket costs throughout the year, making them a strong fit for residents with frequent healthcare needs.
Haywood County residents with incomes between 100 and 400 percent of the federal poverty level qualify for Advance Premium Tax Credits that reduce monthly premiums below the listed starting prices.
Households with incomes between 100 and 250 percent of the federal poverty level may also qualify for Cost Sharing Reduction subsidies on Silver plans, lowering deductibles and annual out-of-pocket maximums.
Some Haywood County residents with incomes near 150 percent of the federal poverty level may qualify for a zero-dollar-premium Silver plan after tax credits are applied, making comprehensive coverage accessible at no monthly cost.
Blue Cross NC is the sole ACA Marketplace carrier offering health insurance plans in Haywood County for 2026, with 15 plans available across the Blue Advantage and Blue Care PPO networks. The Blue Advantage network provides the largest nationwide PPO coverage, while Blue Care delivers broad statewide PPO access, both spanning key local providers in the Haywood County area. These networks connect enrollees to Haywood Regional Medical Center, Mission Health HCA facilities, and a wide range of primary care and specialty clinics throughout western North Carolina. Choosing between Blue Advantage and Blue Care affects how far your in-network access extends beyond the county, which matters for Haywood County residents who seek specialty care at regional or out-of-area facilities. Health Plans of NC licensed agents compare all 15 Blue Cross NC plans side by side at no cost so every Haywood County resident can identify the plan and network that best fits their healthcare needs and provider preferences.
Blue Cross NC, PPO plans across Blue Advantage and Blue Care networks, 15 plans available in Haywood County for 2026.
North Carolina expanded Medicaid in December 2023, extending eligibility to adults earning up to 138 percent of the federal poverty level and opening a path to free or very low-cost coverage for thousands of Haywood County residents. Currently 11.3 percent of Haywood County residents, approximately 7,000 people, remain uninsured, and many of them may now qualify for Medicaid or subsidized Marketplace coverage under expanded eligibility rules. 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 coverage for minors not eligible for full Medicaid. Health Plans of NC offers free eligibility checks for Haywood County residents who want to determine whether they qualify for Medicaid, CHIP, or a subsidized Marketplace plan.
Working adults in Haywood County earning at or below 138 percent of the federal poverty level may now qualify for NC Medicaid following the December 2023 expansion, even without dependent children.
Children in Haywood County whose family income falls at or below 210 percent of the federal poverty level may be eligible for NC Health Choice, also known as CHIP, with low or no monthly premiums.
Pregnant women in Haywood County are eligible for Medicaid at higher income thresholds than the standard adult limit, ensuring prenatal and delivery care is covered for qualifying individuals.
Haywood County seniors with low incomes may qualify for dual eligibility in both Medicare and Medicaid, reducing out-of-pocket costs for medical services and prescription drugs.
Haywood County residents with qualifying disabilities may be eligible for Medicaid regardless of age, and with a poverty rate of 11.3 percent in the county, many households may qualify for fully subsidized coverage through this pathway.
Health Plans of NC licensed agents serve Haywood County residents at no cost, comparing every available 2026 plan side by side to find the best fit for your budget, providers, and healthcare needs. Call 800-797-0327 today to speak with an agent who can walk you through enrollment and ensure you capture every benefit available to you.
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 Haywood 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 |
Haywood County ZIP Codes include: 28716, 28721, 28738, 28745, 28751, 28785, and 28786
