Find Your Most Affordable Health Insurance Plan in Iredell County
in North Carolina
Iredell County residents can compare 16 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 Value is a good fit if you are flexible about which doctors you see – or if your doctor or hospital is part of this smaller network. The network is statewide, making it easy to get in-network care if you travel or have a child away at college within North Carolina.
Limited statewide network for savings
Network includes, but is not limited to, Atrium Health Wake Forest Baptist, CaroMont Health, Duke LifePoint Healthcare, Novant Health and UNC Health Alliance.
The following doctor/hospital networks are considered out-of-network for Blue Value: Atrium Health (not including Atrium Health Wake Forest Baptist), Duke Health and WakeMed. Out-of-state providers are also out-of-network. 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 covered services will be covered at the out-of-network benefit level.
Blue Value is available on and off Marketplace to residents of these North Carolina counties: Alexander, Brunswick, Burke, Caldwell, Catawba, Cleveland, Columbus, Duplin, Gaston, Iredell, Lincoln, New Hanover, Onslow, Pender, and Surry.
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 Iredell County, NC with Health Plans of NC. Health Plans of NC helps Iredell County, NC residents find and compare affordable health insurance coverage for 2026, with licensed agents available at no cost to guide every step of enrollment. Whether you work for a major employer like Lowe's Companies or receive care through Iredell Health System, finding the right plan starts with a free side-by-side comparison.
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 Value | HMO | Value-focused HMO with lower premiums |
Iredell County's 191,800 residents, a population that has grown 2.7% since 2020, have access to a range of health coverage options suited to different employment situations and healthcare needs. Major local employers including Lowe's Companies, Iredell-Statesville Schools, Walmart, Iredell Health, and Lowe's Home Centers offer employer-sponsored plans, while health systems such as Iredell Health System, Lake Norman Regional Medical Center, and Atrium Health anchor the local provider landscape for marketplace and Medicaid enrollees alike. With 7.0% of residents being foreign-born, Health Plans of NC works to ensure all Iredell County community members understand their coverage options regardless of background.
ACA Marketplace coverage through Blue Cross NC connects Iredell County residents to local providers including Iredell Health System and Lake Norman Regional Medical Center.
Medicaid expansion coverage is available to qualifying Iredell County adults, offering comprehensive benefits through the North Carolina Medicaid program at little or no cost.
Employer-sponsored health insurance is offered by major Iredell County employers such as Lowe's Companies, Walmart, and Iredell-Statesville Schools for eligible employees and their families.
Short-term health plans may provide temporary gap coverage for Iredell County residents between jobs or transitioning away from employer plans offered by companies like Lowe's Home Centers.
COBRA continuation coverage allows Iredell County workers separating from employers such as Iredell Health or other large county employers to maintain their existing group health benefits temporarily.
Small business SHOP marketplace plans give Iredell County small employers a way to offer their employees structured group health coverage through federally facilitated marketplace options.
For 2026, Iredell County residents can choose from plans offered across three Blue Cross NC networks, including Blue Advantage, Blue Care, and Blue Value, spanning PPO and HMO product types to give enrollees flexibility in how they access local care. Blue Advantage and Blue Care operate as PPO networks, allowing broader access to providers such as Iredell Memorial Hospital, Lake Norman Regional Medical Center, and Davis Regional Medical Center, while Blue Value provides an HMO option focused on lower premiums within a structured network. Health Plans of NC can walk Iredell County residents through which plan network best aligns with their preferred local hospitals, specialists at Piedmont HealthCare, and behavioral health providers like Partners Behavioral Health Management.
Blue Advantage, a PPO network, includes 95% or more of NC doctors in-network and connects Iredell County residents to Iredell Memorial Hospital and Atrium Health facilities.
Blue Care, a PPO network, covers 92% or more of NC doctors in-network and provides broad access to Lake Norman Regional Medical Center and Iredell Health System providers.
Blue Value, an HMO network, offers value-focused coverage with lower monthly premiums for Iredell County residents comfortable using a defined set of local in-network providers.
PPO plan types under Blue Advantage and Blue Care allow Iredell County enrollees to see specialists at Piedmont HealthCare across neurology, gastroenterology, and dermatology without a referral.
HMO plan types under Blue Value require Iredell County enrollees to coordinate care through a primary care physician, making it important to confirm that preferred local providers are in-network before enrolling.
Catastrophic plan options are available to Iredell County residents under age 30 or those qualifying through a hardship exemption, providing low-premium protection against major medical events.
Bronze plans in Iredell County start at approximately $463.63/month before subsidies. With a median household income of $78,678, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans start at $463.63 per month for a 35-year-old in Iredell County before any premium tax credits are applied, offering the lowest monthly premiums with higher deductibles.
Silver plans start at $593.60 per month before subsidies and are the only tier eligible for cost-sharing reduction subsidies that lower deductibles and out-of-pocket maximums for qualifying Iredell County residents.
Gold plans start at $626.35 per month before subsidies and offer lower out-of-pocket costs throughout the year, making them a strong fit for residents who use healthcare services frequently.
Iredell County residents earning between 100% and 400% of the federal poverty level qualify for ACA premium tax credits that can significantly reduce monthly premiums below the listed starting prices.
Residents earning between 100% and 250% of the federal poverty level may also qualify for cost-sharing reductions on Silver plans, lowering deductibles and out-of-pocket maximums beyond the premium savings.
Some Iredell County residents with qualifying income levels may be eligible for a $0 or near-$0 premium Silver plan after premium tax credits are applied, making coverage effectively free each month.
Blue Cross NC is the sole ACA marketplace carrier offering plans in Iredell County for 2026, with 16 total plans available to individuals and families. These 16 plans are spread across three networks, Blue Advantage, Blue Care, and Blue Value, covering PPO and HMO product types as well as Catastrophic options for eligible enrollees. Blue Advantage and Blue Care PPO networks connect Iredell County residents to a broad range of local providers including Iredell Memorial Hospital, Lake Norman Regional Medical Center, and Atrium Health facilities, while Blue Value's HMO structure focuses on a more defined set of in-network providers at lower premium price points. Choosing between these networks determines whether an Iredell County resident can access specialty care through providers like Piedmont HealthCare or behavioral health services through Partners Behavioral Health Management without unexpected out-of-network costs. Health Plans of NC compares all 16 Blue Cross NC plans side-by-side at no cost so Iredell County residents can make a fully informed enrollment decision.
Blue Cross NC: the only ACA marketplace carrier in Iredell County for 2026, offering 16 plans across Blue Advantage PPO, Blue Care PPO, and Blue Value HMO networks, including Catastrophic options for eligible residents.
North Carolina expanded Medicaid in December 2023, extending free or low-cost comprehensive coverage to adults in Iredell County earning at or below 138% of the federal poverty level. With an uninsured rate of 9.5% representing approximately 18,000 Iredell County residents, a significant portion of the community may now qualify for Medicaid or subsidized marketplace coverage and have not yet enrolled. Children in families earning up to 210% of the federal poverty level may qualify for NC Health Choice, the state's CHIP program, which provides low-cost coverage for routine and preventive pediatric care. Health Plans of NC offers free eligibility checks so Iredell County residents can quickly find out whether they qualify for Medicaid, CHIP, or another coverage option.
Working adults in Iredell County earning at or below 138% of the federal poverty level may now qualify for full Medicaid benefits following North Carolina's December 2023 expansion.
Children in Iredell County families with incomes up to 210% of the federal poverty level may be eligible for NC Health Choice, the state CHIP program, which covers doctor visits, dental, and vision care.
Pregnant women in Iredell County may qualify for Medicaid coverage at higher income thresholds than the standard adult limit, ensuring access to prenatal and postpartum care at no or low cost.
Low-income seniors in Iredell County who qualify for both Medicare and Medicaid, known as dual-eligible individuals, may receive additional assistance with premiums, copays, and long-term care services.
Iredell County residents with disabilities who meet income requirements may qualify for Medicaid coverage, with a county poverty rate of 9.1% indicating a meaningful share of the population near eligibility thresholds.
Health Plans of NC licensed agents serve Iredell County residents at absolutely no cost, comparing every available 2026 plan side-by-side to match your budget, preferred providers, and coverage needs. Call 800-797-0327 today to get a free personalized quote, check your subsidy or Medicaid eligibility, and enroll in the plan that works best for 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 Iredell 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 |
|---|---|---|
Atrium Health Cabarrus | 920 Church St N, Concord, NC 28025 | (704) 403-3000 |
Atrium Health Cleveland | 201 E Grover St, Shelby, NC 28150 | (980) 487-3000 |
Atrium Health Kings Mountain | 706 W King St, Kings Mountain, NC 28086 | (980) 487-5000 |
Atrium Health Lincoln | 433 Mcalister Rd, Lincolnton, NC 28092 | (980) 212-2000 |
Atrium Health Pineville | 10628 Park Rd, Charlotte, NC 28210 | (704) 667-1000 |
Atrium Health Stanly | 301 Yadkin St, Albemarle, NC 28001 | (704) 984-4000 |
Atrium Health Union West Hosp | 1000 Healing Way, Matthews, NC 28104 | (800) 821-1535 |
Atrium Health Union | 600 Hospital Dr, Monroe, NC 28112 | (980) 993-3100 |
Atrium Health University City | 8800 N Tryon St, Charlotte, NC 28262 | (704) 863-6000 |
Atrium Health Waxhaw | 2700 Providence Rd S, Waxhaw, NC 28173 | (704) 667-6800 |
Atrium Health's Carolinas Med | 1000 Blythe Blvd, Charlotte, NC 28203 | (704) 355-2000 |
Carolinas Continue Care Hosp | 10648 Park Rd, Charlotte, NC 28210 | (704) 667-8050 |
Carolinas Continuecare Hosp | 8800 N Tryon St # 4, Charlotte, NC 28262 | (704) 863-8300 |
Carolinas Healthcare Syst | 501 Billingsley Rd, Charlotte, NC 28211 | (704) 444-2400 |
Carolinas Rehabilitation | 1100 Blythe Blvd, Charlotte, NC 28203 | (704) 355-4300 |
Caromont Regional Medical Ctr | 2525 Court Dr, Gastonia, NC 28054 | (704) 834-2000 |
Catawba Valley Medical Ctr | 810 Fairgrove Church Rd, Hickory, NC 28602 | (828) 326-3000 |
Davis Regional Medical Ctr | 218 Old Mocksville Rd, Statesville, NC 28625 | (704) 873-0281 |
Frye Regional Medical Ctr | 420 N Center St # 20, Hickory, NC 28601 | (828) 315-5000 |
Iredell Memorial Hospital | 557 Brookdale Dr, Statesville, NC 28677 | (704) 873-5661 |
Jeff Gordon Children's Ctr | 920 Church St N, Concord, NC 28025 | (704) 403-3000 |
Lake Norman Regional Med Ctr | 171 Fairview Rd, Mooresville, NC 28117 | (704) 660-4000 |
Levine Children's Hospital | 1000 Blythe Blvd, Charlotte, NC 28203 | (704) 381-2000 |
Novant Health Charlotte Ortho | 1901 Randolph Rd, Charlotte, NC 28207 | (704) 316-2000 |
Novant Health Hemby Children's | 200 Hawthorne Ln, Charlotte, NC 28204 | (704) 384-4021 |
Novant Health Huntersville Med | 10030 Gilead Rd, Huntersville, NC 28078 | (704) 316-4000 |
Novant Health Matthews Med Ctr | 1500 Matthews Township Pkwy, Matthews, NC 28105 | (704) 384-6500 |
Novant Health Mint Hl Med Ctr | 8201 Healthcare Loop, Charlotte, NC 28215 | (980) 302-1000 |
Novant Health Presbyterian Med | 200 Hawthorne Ln, Charlotte, NC 28204 | (704) 384-4000 |
Novant Health Rowan Med Ctr | 612 Mocksville Ave, Salisbury, NC 28144 | (704) 210-5000 |
WG Hefner Salisbury Dept | 1601 Brenner Ave, Salisbury, NC 28144 | (704) 638-9000 |
Iredell County ZIP Codes include: 28010, 28115, 28117, 28123, 28166, 28625, 28634, 28660, 28677, 28687, 28688, and 28689
