Find Your Most Affordable Health Insurance Plan in Lee County
in North Carolina
Lee County residents can compare 16 health insurance options for 2026.
Blue Home with UNC Health Alliance is a good option if you wish to get care from UNC Health and its affiliated doctors and hospitals. Since the majority of doctors in this plan are in the same network, it’s easier for them to work together on your behalf.
UNC Health’s network of hospitals and providers including more than 1,800 primary care providers.2
A provider network that includes UNC Medical Center, nationally ranked in one adult and nine pediatric specialties by U.S. News;3 along with UNC Rex Hospital, rated by U.S. News as high performing in 16 adult procedures and conditions.4
All doctors outside the UNC Health Alliance provider network are considered out-of-network and not covered for Blue Home with UNC Health Alliance, including: Cone Health, Duke Health and WakeMed. 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 UNC Health to bring you Blue Home with UNC Health Alliance. Blue Home with UNC Health Alliance is a health insurance plan offered by Blue Cross NC that provides access to a limited network of providers. UNC Health is an independent company that is solely responsible for the physicians and medical facilities it owns and operates. UNC Health does not offer Blue Cross or Blue Shield products or services.
UNC Health, www.unchealthcare.org/health-alliance/ (Accessed August 2024).
U.S. News and World Report, www.usnews.com/best-hospitals/area/nc/university-of-north-carolina-hospitals-6360260 (Accessed August 2024).
U.S. News and World Report, www.usnews.com/best-hospitals/area/nc/rex-healthcare-6361210 (Accessed August 2024).
Blue Home with UNC Health Alliance is available on and off Marketplace to residents of these North Carolina counties: Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Nash, Orange, Person, and Wake.
Blue Advantage - Off Marketplace 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.
in North Carolina
Find affordable health insurance in Lee County, NC with Health Plans of NC. Health Plans of NC helps residents of Lee County, North Carolina find and compare health insurance coverage at no cost, with access to plans through Blue Cross NC that connect to local health systems including Central Carolina Hospital. Whether you work for a major employer like Caterpillar or Pfizer, are self-employed, or need individual coverage, Health Plans of NC can guide you to the right plan for your household.
Plan Network | Type | Network Coverage |
|---|---|---|
Blue Advantage | PPO | Largest nationwide network, 95%+ of NC doctors in-network (off-Marketplace only) |
Blue Home with UNC Health Alliance | HMO | UNC Health hospitals and affiliated providers |
Lee County is home to 64,565 residents and has grown 2.0% since 2020, with 9.6% of residents being foreign-born, reflecting a diverse community with a wide range of coverage needs. Major employers such as Caterpillar, Pfizer, Pilgrim's Pride, Lee County Schools, and Central Carolina Community College offer employer-sponsored group health benefits, while health systems including Central Carolina Hospital and UNC Health serve as anchor providers for residents across all plan types. From ACA Marketplace plans to Medicaid, COBRA, and small business options, Lee County residents have multiple pathways to coverage depending on their employment, income, and family situation.
ACA Marketplace plans are available to Lee County residents who do not have access to affordable employer coverage, connecting enrollees to providers at Central Carolina Hospital and UNC Health facilities.
Medicaid coverage serves qualifying low-income Lee County residents, including workers at Pilgrim's Pride and other employers whose household incomes fall within eligibility thresholds.
Employer-sponsored group health plans are offered by major Lee County employers including Caterpillar, Pfizer, and Lee County Schools, covering employees and their dependents through negotiated group benefits.
Short-term health plans may provide temporary coverage for Lee County residents between jobs or waiting for open enrollment, though they offer limited benefits compared to ACA-compliant plans.
COBRA continuation coverage allows Lee County residents who lose employer-sponsored benefits, such as those previously employed by Central Carolina Community College or Pilgrim's Pride, to maintain their existing plan for a limited period.
Small business SHOP Marketplace plans are available to Lee County small business owners who want to offer group coverage to employees, supporting the local workforce connected to providers at Central Carolina Hospital.
For 2026, Lee County residents can choose from plans offered under two Blue Cross NC networks: Blue Advantage, a PPO available off-Marketplace only, and Blue Home with UNC Health Alliance, an HMO connecting enrollees to UNC Health hospitals and affiliated providers. Blue Advantage provides the broadest access, with over 95% of North Carolina doctors participating in-network, making it a strong option for Lee County residents who want flexibility to see specialists without a referral. Blue Home with UNC Health Alliance is structured as an HMO, requiring enrollees to select a primary care provider and use the UNC Health Alliance network, which is well-suited for residents who already receive care through UNC Health affiliated facilities.
Blue Advantage, a PPO network available off-Marketplace only, includes over 95% of North Carolina doctors in-network and offers Lee County residents broad provider flexibility without referrals.
Blue Home with UNC Health Alliance, an HMO network, connects Lee County enrollees to UNC Health hospitals and their affiliated provider network, coordinating care through a selected primary care provider.
HMO plans under Blue Home with UNC Health Alliance require Lee County residents to obtain referrals for specialist visits, making coordination with a primary care provider an important step in using the plan effectively.
PPO plans under Blue Advantage allow Lee County residents to see specialists at facilities such as Sanford Orthopedics and Sports Medicine or Carolina Women's Health Center without needing a prior referral.
Lee County residents should verify that their preferred local providers, including those at Central Carolina Hospital, are included in their chosen plan network before completing enrollment.
Health Plans of NC can compare both available 2026 networks side by side at no cost, helping Lee County residents identify which plan structure best matches their provider relationships and coverage needs.
Bronze plans in Lee County start at approximately $463.63/month before subsidies. With a median household income of $63,060, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Lee County start at $463.63 per month for a 35-year-old before subsidies, offering the lowest monthly premium with a higher deductible before coverage kicks in.
Silver plans start at $593.60 per month for a 35-year-old before subsidies, and Silver is the only tier eligible for cost-sharing reductions that lower deductibles and copays for qualifying households.
Gold plans start at $626.35 per month for a 35-year-old before subsidies, providing lower out-of-pocket costs throughout the year in exchange for a higher monthly premium.
Lee County residents with household incomes between 100% and 400% of the federal poverty level qualify for ACA premium tax credits that can reduce monthly premiums well below the listed starting prices.
Households earning near or just above the county median income of $63,060 may still qualify for meaningful subsidies that make Silver or Gold plans competitive in monthly cost.
Some lower-income Lee County residents qualify for a $0-premium Silver plan after tax credits are applied, making comprehensive mid-tier coverage available at no monthly cost.
Blue Cross NC is the sole ACA Marketplace carrier offering plans in Lee County for 2026, with 16 plans available across multiple coverage tiers and network structures. The two plan networks available in Lee County are Blue Advantage, a PPO offered off-Marketplace only, and Blue Home with UNC Health Alliance, an HMO that routes care through UNC Health hospitals and affiliated providers. Blue Home with UNC Health Alliance connects Lee County enrollees directly to UNC Health facilities, while Blue Advantage provides the broadest statewide provider access for residents who need flexibility across a wide range of local and regional providers. The choice between these networks has a direct impact on which local hospitals, clinics, and specialists a Lee County resident can access at in-network rates, making careful network comparison an essential step before enrollment. Health Plans of NC compares every available Blue Cross NC plan side by side at no cost, helping Lee County residents select the network and tier that best fits their healthcare needs.
Blue Cross NC: the only ACA Marketplace carrier in Lee County for 2026, offering 16 plans across HMO and PPO network structures including Blue Home with UNC Health Alliance and Blue Advantage.
North Carolina expanded Medicaid in December 2023, extending free or low-cost coverage to adults earning up to 138% of the federal poverty level, which has opened eligibility to many Lee County residents who were previously uninsured. Currently 12.4% of Lee County residents, approximately 8,000 people, remain uninsured, and a significant portion of them may now qualify for Medicaid or subsidized Marketplace coverage. Children in families earning up to 210% of the federal poverty level may qualify for NC Health Choice, the state's CHIP program, providing low-cost coverage for pediatric care. Health Plans of NC offers free eligibility checks and enrollment assistance so Lee County residents can quickly determine whether they qualify for Medicaid, CHIP, or a subsidized Marketplace plan.
Working adults in Lee County earning up to 138% of the federal poverty level may qualify for NC Medicaid, covering primary care, mental health services, and preventive screenings at no or very low cost.
Children in Lee County families earning up to 210% of the federal poverty level may qualify for NC Health Choice, providing affordable pediatric coverage including well-child visits and immunizations.
Pregnant women in Lee County are eligible for Medicaid coverage that includes prenatal care, delivery, and postpartum services, ensuring access to maternal health providers in the area.
Low-income seniors in Lee County who qualify for both Medicare and Medicaid, known as dual-eligible individuals, may receive additional benefits that help cover premiums, copays, and long-term services.
Lee County residents with disabilities who meet income requirements may qualify for Medicaid, and with a county poverty rate of 15.5%, outreach to this population remains a meaningful local priority.
Health Plans of NC licensed agents serve Lee County residents at no cost, comparing every available 2026 plan side by side and guiding you through enrollment from start to finish. Call 800-797-0327 to speak with an agent who can help you find the right coverage for your household.
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 Lee 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 Anson | 2301 US Highway 74 W, Wadesboro, NC 28170 | (704) 994-4500 |
Betsy Johnson Hospital | 800 Tilghman Dr, Dunn, NC 28334 | (910) 892-1000 |
Cape Fear Valley Medical Ctr | 1638 Owen Dr, Fayetteville, NC 28304 | (910) 615-4000 |
Central Carolina Hospital | 1135 Carthage St, Sanford, NC 27330 | (919) 774-2100 |
Central Harnett Hospital | 215 Brightwater Dr, Lillington, NC 27546 | (910) 892-1000 |
Fayetteville VA Hosp Med Ctr | 2300 Ramsey St, Fayetteville, NC 28301 | (910) 488-2120 |
First Health Montgomery Meml | 520 Allen St, Troy, NC 27371 | (910) 571-5000 |
First Health Moore Regl Hosp-Hk | 6408 Fayetteville Rd, Raeford, NC 28376 | (910) 878-6000 |
First Health Moore Regl Hosp | 155 Memorial Dr, Pinehurst, NC 28374 | (910) 715-1000 |
First HealthMoore Regl Hosp | 925 S Long Dr, Rockingham, NC 28379 | (910) 417-3000 |
Highsmith-Rainey Spec Hosp | 150 Robeson St, Fayetteville, NC 28301 | (910) 615-1000 |
Hoke Hospital | 210 Medical Pavilion Dr, Raeford, NC 28376 | (910) 904-8000 |
Scotland Memorial Hospital | 500 Lauchwood Dr, Laurinburg, NC 28352 | (910) 291-7000 |
Womack Army Medical Ctr | 2817 Reilly St, Fort Bragg, NC 28310 | (910) 907-6000 |
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-Gynclgy | 6216 Fayetteville Rd, Durham, NC 27713 | (919) 942-8571 |
Clinical Choice | 7300 Cessna Dr, Greensboro, NC 27409 | (336) 550-4180 |
Cone Health Covid-19 Testing | 1238 Huffman Mill Rd, Burlington, NC 27215 | (336) 890-1140 |
Cone Health Covid-19 Testing | 1830 Lendew St, Greensboro, NC 27408 | (336) 890-1140 |
Cone Health Covid-19 Testing | 2363 Corporation Pkwy, Burlington, NC 27215 | (336) 890-1140 |
Cone Health Covid-19 Testing | 525 Maple Ave, Reidsville, NC 27320 | (336) 890-1140 |
Cone Health Covid-19 Testing | 617 S Main St, Reidsville, NC 27320 | (336) 890-1140 |
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 |
Lee County ZIP Codes include: 27237, 27330, 27331, 27332, and 28355
