Find Your Most Affordable North Carolina Health Insurance Plan
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Lincoln County
in North Carolina
Lincoln County, North Carolina, is a vibrant community for young families. It's home to around 83,000 people who enjoy a low cost of living, a family-friendly atmosphere, and an excellent quality of life. The county has a median household income of $59,888 and with a median home value of $181,400, homeownership is a possibility for many families, who can also access excellent healthcare services. Atrium Health Lincoln provides emergency care, behavioral health, and cancer care. At the same time, CaroMont Regional Medical Center (in Gastonia) offers various medical services, including a Level III trauma center, a heart center, and a cancer center.
Families can enjoy parks and green spaces, visit the famous Lincolnton Farmers Market, or attend the Apple Festival or the Summer Concert Series. Outdoor lovers will also have plenty of fishing, boating, hiking, and biking opportunities. Known for its natural beauty and stunning landscapes, the county offers easy access to big city amenities in Charlotte and Asheville.
Families enjoy the low crime rate in the county and benefit from some excellent schools. Lincoln County has several charming towns, including Lincolnton (zip code 28092), home to around 10,000 people. The town features a historic downtown, many shops, restaurants, and galleries. Denver (zip code 28037) is a rapidly growing community with over 19,000 people. It's on beautiful Lake Norman, which offers many family-friendly recreational opportunities. Finally, Vale (zip code 28168) is an excellent option for families seeking a smaller town. Home to just over 1,000 people, it offers a quiet, rural setting.
Plans Available
Best for
Good option if you are flexible which doctors you see or if your doctor or hospital are 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.
Network
Limited statewide network for savings
Includes CaroMont Health, Frye Regional, New Hanover, Novant Health, UNC Health Alliance and Wake Forest Baptist Health
The following doctor/hospital networks are considered out-of-network for Blue Value: Atrium Health, Catawba Valley Health System, Duke Health and WakeMed. Out-of-state providers are also out-of-network. When traveling outside of North Carolina or the U.S., only emergency services 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.
Availability
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.
Best for
Good option if you want a broad choice of in-network doctors, specialists and hospitals.
Network
Our largest statewide network. Full statewide network with the most provider choice. More than 95% of doctors and 98% of hospitals in North Carolina are in-network (A1)
Availability
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.
Best for
Good option if you wish to get care from Atrium Health and its affiliated doctors and hospitals. (C1)
Since the majority of doctors in this plan are in the same health care system, it’s easier for them to work together on your behalf.
Network
Atrium Health's comprehensive regional network of doctors and hospitals'
Provider network that includes Atrium Health Levine's Children's Hospital
Atrium Health Levine's Children's Hospital is nationally ranked in eight specialties. (C2)
Carolinas Medical Center, which was named the "Best Hospital" in the Charlotte metro region for the fifth straight year (C3)
More than 42 hospitals and 13,500 care locations. (C4)
All doctors outside the Atrium Health provider network are considered out-of-network for Blue Local with Atrium Health, including: CaroMont Health, Novant Health and their affiliated providers. Out-of-state providers are also out-of-network. When traveling outside of North Carolina or the U.S., only emergency services 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.
Availability
Blue Local with Atrium Health is available on and off Marketplace to residents of these North Carolina counties: Anson, Cabarrus, Cleveland, Gaston, Lincoln, Mecklenburg, Rowan, Stanly, and Union.
Find your most affordable health plan
Individual/Family Common Questions
North Carolina Healthcare News & Guides
What You Need to Know About Health Insurance If You’re Self-Employed
Health Plans of NC, Kelly Quinn
What Is Individual Health Insurance?: A Complete Guide
With the help of a knowledgeable insurance agent, you can find a plan that is both affordable and provides extensive coverage.
The Importance of Receiving Health Insurance in North Carolina
How Much Is Individual Health Insurance? A Complete Guide
Recently, this option has gained traction as it provides greater customization opportunities and flexibility within different plans. In the following, we will explain what individual health insurance is, how much it costs, and why it might be the right choice for you.
Why Consider Getting Individual Health Insurance
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Footnotes
A1. Blue Cross NC Provider Internal Data; percentages indicated represent Blue Cross NC's PPO Network as of July 22, 2022. Note: Not all plans are available in all areas.
B1. Blue Cross NC has collaborated with Novant Health to bring you Blue Home with Novant Health. Blue Home with Novant Health is a health insurance plan offered by Blue Cross NC that provides access to a limited network of providers. Novant Health is an independent company that is solely responsible for the physicians and medical facilities it owns and operates. Novant Health does not offer Blue Cross or Blue Shield products or services.
B2. NovantHealth, www.novanthealth.org/home/about-us/company-information.aspx (Accessed August 2022).
C1. Blue Cross NC has collaborated with Atrium Health to bring you Blue Local with Atrium Health. Blue Local with Atrium Health is a health insurance plan offered by Blue Cross NC that provides access to Atrium Health’s limited network of providers. Atrium Health is an independent company that is solely responsible for the physicians and medical facilities it owns/operates and does not offer Blue Cross or Blue Shield products or services.
C2. U.S. News & World Report, www.health.usnews.com/best-hospitals/area/nc/levine-childrens-hospital-PA6360280 (Accessed September 2022).
C3. AtriumHealth, www.atriumhealth.org/about-us/newsroom/news/2020/07/atrium-health-earns-multiple-honors-by-us-news-world-report (Accessed September 2022).
C4. AtriumHealth, www.atriumhealth.org/about-us (Accessed September 2022).
D1. Blue Cross NC has collaborated with Wake Forest Baptist Health to bring you Blue Local with Wake Forest Baptist Health. Blue Local with Wake Forest Baptist Health is a health insurance plan offered by Blue Cross NC that provides access to a limited network of providers. Wake Forest Baptist Health is an independent company that is solely responsible for the physicians and medical facilities it owns and operates. Wake Forest Baptist Health does not offer Blue Cross or Blue Shield products or services.
D2. WakeForestBaptistHealth, www.wakehealth.edu/-/media/WakeForest/Clinical/Files/About-Us/2019FactBook.pdf (Accessed September 2022).
E1. Blue Cross NC has collaborated with UNC Health Care 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 Care is an independent company that is solely responsible for the physicians and medical facilities it owns and operates. UNC Health Care does not offer Blue Cross or Blue Shield products or services.
E2. UNC Health, www.unchealthcare.org/health-alliance/ (Accessed August 2022).
E3. U.S. News and World Report, www.health.usnews.com/best-hospitals/area/nc/university-of-north-carolina-hospitals-6360260 (Accessed September 2022).
E4. U.S. News and World Report, www.health.usnews.com/best-hospitals/area/nc/rex-healthcare-6361210 (Accessed September 2022).
U9144b, 9/22
Lincoln County ZIP Codes include: 28033, 28037, 28080, 28092, 28093, and 28168