Find Your Most Affordable Health Insurance Plan in Henderson County
in North Carolina
Henderson 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 Henderson County, NC with Health Plans of NC. Health Plans of NC helps Henderson County residents find and compare affordable health insurance options, connecting locals with coverage that fits their needs and their access to providers like Pardee UNC Health Care and AdventHealth Hendersonville.
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 |
Henderson County is home to 117,387 residents, a community that has grown 1.0 percent since 2020 and includes 7.7 percent foreign-born residents who may have distinct coverage needs and eligibility considerations. Major employers such as Henderson County Schools, Henderson County Hospital, AdventHealth Hendersonville, Ingles Markets, and the County of Henderson offer a range of employment situations, from large group plans to positions without employer-sponsored coverage. Health systems including Pardee UNC Health Care and Park Ridge Health Atrium anchor the local provider landscape, making it essential that residents choose a plan whose network includes their preferred facilities.
ACA Marketplace plans through Blue Cross NC allow Henderson County residents who do not receive coverage through employers like Ingles Markets or the County of Henderson to access comprehensive individual and family coverage.
Medicaid coverage provides low or no cost health insurance for Henderson County residents with limited incomes, connecting enrollees to local providers within the Pardee UNC Health Care and Park Ridge Health Atrium networks.
Employer-sponsored group health insurance is available to many Henderson County workers through major employers such as Henderson County Schools, AdventHealth Hendersonville, and Henderson County Hospital.
Short-term health plans may serve Henderson County residents who are between jobs or waiting for open enrollment, offering temporary protection while they arrange longer-term coverage through local providers.
COBRA continuation coverage allows Henderson County workers who have recently left employment with organizations like the County of Henderson or Ingles Markets to maintain their existing group plan for a limited period.
Small business SHOP Marketplace plans give Henderson County small business owners a way to offer group coverage to employees, supporting workforce retention in a growing county served by health systems like Park Ridge Health Atrium.
For 2026, Henderson County residents have access to 15 individual and family health insurance plans through Blue Cross NC, offered across two plan networks: Blue Advantage and Blue Care, each providing different levels of statewide provider access. Both networks are structured as PPO plans, giving Henderson County residents flexibility to see in-network providers at local facilities including Pardee UNC Health Care and AdventHealth Hendersonville without requiring referrals. Health Plans of NC can help residents compare each network side by side to identify which plan connects them to their preferred specialists, primary care providers, and hospitals in the Henderson County area.
Blue Advantage PPO, the largest nationwide network available in Henderson County, includes over 95 percent of North Carolina doctors in-network and connects residents to providers at Pardee UNC Health Care and AdventHealth Hendersonville.
Blue Care PPO offers a broad statewide network covering over 92 percent of North Carolina doctors in-network, providing Henderson County residents with access to local facilities and surrounding regional health systems.
Both Blue Advantage and Blue Care PPO plans allow Henderson County residents to access specialty services such as cardiology through Asheville Cardiology Associates and neurosurgery through Carolina Spine and Neurosurgery in Hendersonville.
Blue Advantage PPO plans in Henderson County extend network access to major regional facilities including Mission Hospital in Asheville, supporting residents who need advanced or specialized care beyond the immediate county.
Blue Care PPO plans connect Henderson County residents to a wide range of primary care and pediatric providers across the region, including practices serving families throughout the Hendersonville area.
Health Plans of NC agents compare every Blue Advantage and Blue Care plan available in Henderson County for 2026 at no cost, helping residents select the network that best matches their provider relationships and care preferences.
Bronze plans in Henderson County start at approximately $427.27/month before subsidies. With a median household income of $67,623, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Henderson County start at $427.27 per month for a 35-year-old before subsidies, offering the lowest monthly premium with a higher deductible for residents who want protection against major medical events.
Silver plans start at $549.92 per month before subsidies and are the only tier eligible for cost-sharing reductions, which lower deductibles and copays for qualifying Henderson County residents.
Gold plans start at $587.73 per month before subsidies and provide lower out-of-pocket costs throughout the year, making them a strong option for Henderson County residents who use healthcare services regularly.
Henderson County residents with household incomes between 100 percent and 400 percent of the federal poverty level qualify for premium tax credits that can reduce monthly plan costs well below the published starting prices.
Some Henderson County residents with incomes near 150 percent of the federal poverty level may qualify for a Silver plan with a zero-dollar monthly premium after tax credits are applied.
Out-of-pocket maximums for 2026 ACA plans cap the total annual cost-sharing exposure for Henderson County residents, providing a financial ceiling even on high-deductible Bronze plans.
Blue Cross NC is the sole ACA Marketplace carrier offering individual and family health insurance plans in Henderson County for 2026, with a total of 15 plans available to county residents. These plans are offered across two PPO networks, Blue Advantage and Blue Care, giving Henderson County residents a choice between the broadest nationwide network coverage and a comprehensive statewide network. Blue Advantage connects Henderson County residents to over 95 percent of North Carolina doctors in-network, while Blue Care provides access to over 92 percent of in-state providers, both including key local facilities such as Pardee UNC Health Care and AdventHealth Hendersonville. The choice between Blue Advantage and Blue Care directly affects which hospitals, specialists, and clinics a Henderson County resident can use at in-network rates, making carrier and network selection a critical step in the enrollment process. Health Plans of NC licensed agents compare every Blue Cross NC plan available in Henderson County side by side at no cost, ensuring residents select the carrier option that best fits their provider preferences and health needs.
Blue Cross NC, PPO plans through Blue Advantage and Blue Care networks, 15 individual and family health insurance plans available in Henderson 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 coverage to thousands of Henderson County residents who previously did not qualify. Currently, 12.2 percent of Henderson County residents, approximately 14,000 people, remain uninsured, and many of them may now be eligible for Medicaid or a subsidized Marketplace plan without realizing it. Children in Henderson County families earning up to 210 percent of the federal poverty level may qualify for NC Health Choice, the state's CHIP program, providing low or no cost coverage for pediatric care. Health Plans of NC offers free eligibility checks for Henderson County residents who want to find out whether they qualify for Medicaid, CHIP, or another subsidized coverage option.
Working adults in Henderson County who are not offered employer coverage and whose incomes fall at or below 138 percent of the federal poverty level may qualify for full Medicaid benefits at little or no cost.
Children in Henderson County families with incomes up to 210 percent of the federal poverty level may qualify for NC Health Choice, covering routine pediatric visits, immunizations, and dental care.
Pregnant women in Henderson County may qualify for Medicaid coverage that includes prenatal care, delivery, and postpartum services through local providers in the Pardee UNC Health Care and Park Ridge Health Atrium networks.
Henderson County residents who are seniors or individuals with disabilities and have low incomes may qualify for Medicaid programs that help cover costs not addressed by Medicare, including long-term care services.
With a poverty rate of 11.7 percent in Henderson County, a meaningful share of the population may qualify for Medicaid or CHIP, and a free eligibility check with Health Plans of NC can confirm coverage options quickly.
Health Plans of NC licensed agents serve Henderson County residents at no cost, comparing every available plan side by side to find the right fit for your budget, your providers, and your household. Call 800-797-0327 today to get personalized guidance and complete your enrollment with a local expert who knows the Henderson County coverage landscape.
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 Henderson 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 |
|---|---|---|
Adventhealth Hendersonville | 100 Hospital Dr, Hendersonville, NC 28792 | (828) 684-8501 |
Asheville Specialty Hospital | 428 Biltmore Ave # 4, Asheville, NC 28801 | (828) 213-5400 |
Asheville VA Medical Ctr | 1100 Tunnel Rd, Asheville, NC 28805 | (828) 298-7911 |
Blue Ridge Regional Hospital | 125 Hospital Dr, Spruce Pine, NC 28777 | (828) 765-4201 |
Broughton Hospital | 1000 S Sterling St, Morganton, NC 28655 | (828) 433-2111 |
Caldwell UNC Health Care | 321 Mulberry St SW, Lenoir, NC 28645 | (828) 757-5100 |
Charles A Cannon Jr Meml Hosp | 434 Hospital Dr, Newland, NC 28657 | (828) 737-7000 |
Forum Health Asheville | 1312 Patton Ave, Asheville, NC 28806 | (828) 252-9833 |
Mission Children's Hospital | 11 Vanderbilt Park Dr, Asheville, NC 28803 | (828) 213-1740 |
Mission Hospital Mcdowell | 430 Rankin Dr, Marion, NC 28752 | (828) 659-5000 |
Mission Hospital | 509 Biltmore Ave, Asheville, NC 28801 | (828) 213-1111 |
Pardee UNC Health Care | 800 N Justice St, Hendersonville, NC 28791 | (828) 696-1000 |
St Luke's Hospital | 101 Hospital Dr, Columbus, NC 28722 | (828) 894-3311 |
St Lukes Hospital | 101 Hospital Dr, Columbus, NC 28722 | (828) 894-3311 |
UNC Health Blue Ridge | 2201 S Sterling St, Morganton, NC 28655 | (828) 580-5000 |
UNC Health Care Blue Ridge | 720 Malcolm Blvd, Valdese, NC 28690 | (828) 580-7640 |
Clinic | Address | Phone |
|---|---|---|
AMCHC | 225 Patton Ave # 200, Asheville, NC 28801 | (828) 412-5315 |
Apex Brain Ctr | 600 Julian Ln # 650, Arden, NC 28704 | (828) 708-5274 |
Asheville Cardiology Assoc-MRN | 472 Rankin Dr # Entrance3, Marion, NC 28752 | (828) 652-0005 |
Asheville Cardiology Assoc | 189 Hospital Dr # 2ndfloor, Spruce Pine, NC 28777 | (828) 274-6000 |
Asheville Cardiology Assoc | 387 US 70 W, Marion, NC 28752 | (828) 274-6000 |
Asheville Cardiology Assoc | 589 Peniel Rd, Columbus, NC 28722 | (828) 274-6000 |
Asheville Children's Med Ctr | 7 Vanderbilt Park Dr # 100a, Asheville, NC 28803 | (828) 258-0969 |
Asheville Orthopaedic Assoc | 1 Hospital Dr, Asheville, NC 28801 | (828) 252-7331 |
Asheville Orthopaedic Assoc | 2315 Asheville Hwy, Hendersonville, NC 28791 | (828) 782-9330 |
Asheville Orthopaedic Assoc | 472 Rankin Dr # Entrance3, Marion, NC 28752 | (828) 252-7331 |
Atrium Health At Hm-Hm Med | 141 Fiddlers Run Blvd, Morganton, NC 28655 | (828) 879-9050 |
Atrium Health At Home | 141 Fiddlers Run Blvd, Morganton, NC 28655 | (828) 580-6450 |
Atrium Health Shelby Women's | 446 N Carolina 108, Rutherfordton, NC 28139 | (980) 487-2570 |
Blue Ridge Med Ctr Mayland | , Spruce Pine, NC 28777 | (828) 765-4113 |
Blue Ridge Med Ctr Yancy Cmps | 800 Medical Campus Dr, Burnsville, NC 28714 | (828) 682-0200 |
Blue Ridge Med Ctr-Yancey Cmps | 125 Hospital Dr, Spruce Pine, NC 28777 | (828) 765-4201 |
Carolina Spine & Neurosurgery | 2315 Asheville Hwy, Hendersonville, NC 28791 | (828) 255-7776 |
Carolinas Healthcare Syst Blue | 1766 Connelly Springs Rd, Lenoir, NC 28645 | (828) 728-8224 |
Carolinas Medical Ctr At Hm | 141 Fiddlers Run Blvd, Morganton, NC 28655 | (828) 580-6441 |
Catawba Valley Medical Ctr | 309 S College St, Morganton, NC 28655 | (828) 326-3803 |
Fastmed Family Medicine | 160 Hendersonville Rd, Asheville, NC 28803 | (828) 210-2835 |
Gastroenterology-Mission | 11 Vanderbilt Park Dr # 2, Asheville, NC 28803 | (828) 213-1740 |
Happy Valley Medical Ctr | 1345 NC Highway 268, Lenoir, NC 28645 | (828) 754-6850 |
Keys Of Hope Medical Ctr | 295 Carson St # K, Marion, NC 28752 | (828) 659-6334 |
Levine Cancer Inst-Blue Ridge | 720 Malcolm Blvd, Connelly Springs, NC 28612 | (828) 580-7536 |
Mars Hill Medical Ctr | 119 Mountain View Rd, Mars Hill, NC 28754 | (828) 689-3507 |
Mauzy-Phillips Ctr | 125 Hospital Dr, Spruce Pine, NC 28777 | (828) 766-3555 |
Mission Children's Outpatient | 11 Vanderbilt Park Dr, Asheville, NC 28803 | (828) 213-1740 |
Mission Children's Specialists | 11 Vanderbilt Prk Dr # 2ndfloor, Asheville, NC 28803 | (828) 213-1740 |
Mission Community Medicine-Brk | 149 W Parker Rd, Morganton, NC 28655 | (828) 433-4933 |
Mission Community Medicine-Nb | 339 Nebo School Rd, Nebo, NC 28761 | (828) 652-6326 |
Mission Community Orthopedics | 189 Hospital Dr # 2ndfloor, Spruce Pine, NC 28777 | (828) 766-3555 |
Mission Community Urological | 189 Hospital Dr # 2ndfloor, Spruce Pine, NC 28777 | (828) 766-3555 |
Mission Health Ctr Highway 70 | 387 US 70 W, Marion, NC 28752 | (828) 652-6386 |
Mission Health Ctr Sugar Hill | 1633 Sugar Hill Rd, Marion, NC 28752 | (828) 652-7776 |
Mission Health Mauzy-Phillips | 189 Hospital Dr # 2ndfloor, Spruce Pine, NC 28777 | (828) 766-3555 |
Mission Health Partners | 50 Schenck Pkwy, Asheville, NC 28803 | (828) 213-3250 |
Mission Hospital-Smoking | 1 Hospital Dr, Asheville, NC 28801 | (828) 213-5527 |
Mission Hospital-St Joseph | 428 Biltmore Ave, Asheville, NC 28801 | (828) 213-1111 |
Mission Medical Oncology | 430 Rankin Dr # Entrance3, Marion, NC 28752 | (800) 506-2550 |
Mission Neurology Svc | 509 Biltmore Ave, Asheville, NC 28801 | (828) 213-1439 |
Mission Neurology-Outpatient | 1 Hospital Dr # 3200, Asheville, NC 28801 | (828) 213-9530 |
Mission Orthopedic Trauma Svc | 1 Hospital Dr # 4200, Asheville, NC 28801 | (828) 213-1994 |
Mission Outpatient Svc Sugar | 1633 Sugar Hill Rd # Entranceb, Marion, NC 28752 | (828) 252-7331 |
Mission St Joseph's Health | 890 Hendersonville Rd, Asheville, NC 28803 | (828) 274-7026 |
Mission Urology-Asheville | 1 Hospital Dr # 4100, Asheville, NC 28801 | (828) 254-8883 |
Mission Urology-Mcdowell | 472 Rankin Dr # Entrance3, Marion, NC 28752 | (828) 659-5700 |
Mission Weight Management | 1 Hospital Dr # 3400, Asheville, NC 28801 | (828) 213-4100 |
Mission Women's Care-Spruce Pn | 189 Hospital Dr # 2ndfloor, Spruce Pine, NC 28777 | (828) 766-3555 |
Mission Workwell-Medical Park | 2 Medical Park Dr # 102, Asheville, NC 28803 | (828) 213-9600 |
Occupational Medicine Ctr | 288 S Ridgecrest Ave, Rutherfordton, NC 28139 | (828) 286-5508 |
Sloop Medical Office Plaza | 436 Hospital Dr, Newland, NC 28657 | (828) 733-0280 |
Stonecreek Health & Rehab LLC | 455 Victoria Rd, Asheville, NC 28801 | (828) 225-3829 |
Surgical Specialist-Carolina | 1998 Hendersonville Rd # 40, Asheville, NC 28803 | (828) 585-2575 |
Valdese Patient Svc Ctr | 730 Malcolm Blvd # 160, Rutherford College, NC 28671 | (828) 580-7456 |
Henderson County ZIP Codes include: 28710, 28724, 28726, 28727, 28729, 28731, 28732, 28735, 28739, 28742, 28758, 28759, 28760, 28784, 28790, 28791, 28792, and 28793
