Find an Affordable Health Insurance Plan in Lincoln County
in North Carolina
Nationwide (BlueCard®)
Blue Advantage® is a PPO health plan from Blue Cross and Blue Shield of North Carolina (Blue Cross NC) offering the company's largest nationwide network of doctors, specialists, and hospitals. More than 95% of North Carolina doctors and 98% of North Carolina hospitals are in-network, and coverage travels with you nationwide through the BlueCard® program, which is accepted in nearly 200 countries and territories worldwide.
Because it's a PPO, Blue Advantage gives you the fewest restrictions on which doctors you can see: no referrals to see a specialist, and out-of-network care is still covered (at a lower benefit level). It typically carries a higher premium than Blue Cross NC's in-state-only plans, so it's the plan we recommend when provider choice and nationwide access matter more than getting the lowest possible premium.
Blue Advantage is built for people who want the fewest restrictions on which doctors they can see. It's a strong fit if you travel frequently for work or split time between two states, have an established specialist relationship you don't want to disrupt, want emergency care covered at the in-network rate anywhere in the world, or simply value provider choice over the lowest possible monthly premium.
It's a weaker fit if you rarely leave North Carolina and don't need nationwide access. In that case, Blue Care offers nearly identical in-state provider access at a lower premium, and one of the regional Blue Home plans may lower your premium even further if your doctors belong to a single health system.
Nationwide network – Nationwide (BlueCard®)
Network: Anywhere in the U.S. and abroad2; 95%+ of NC doctors.1
Out-of-area care: Covered (lower benefit level).
Offered in Bronze, Silver, and Gold tiers.
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 in all North Carolina counties, except the following where it is available only off Marketplace: Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Orange, Person, and Wake.
Blue Advantage is a PPO, which means you don't need a referral to see a specialist, and you're never limited to a single network — you're just paying more if you step outside it. If you see an in-network provider, you get the plan's full benefit level. If you see someone out-of-network, the plan still pays, just at a reduced benefit level, and you're responsible for the difference.
Because Blue Cross NC has more than 95% of North Carolina doctors and 98% of North Carolina hospitals in-network, most members rarely need to use that out-of-network benefit — but it's there if your situation calls for it.
Blue Advantage is the only Blue Cross NC individual plan built for people who leave the state. Through the BlueCard® program, your in-network benefits travel with you anywhere in the U.S. — so if you split time between two states, have kids away at college, or travel for work, you're not stuck finding a new plan or a new doctor.
Emergency care is covered at the in-network rate worldwide, including in nearly 200 countries and territories through BlueCard Worldwide®.
Blue Advantage typically carries a higher premium than Blue Cross NC's in-state-only plans like Blue Care® or the regional Blue Home℠ plans. That's the trade-off for the broadest network and out-of-network safety net Blue Cross NC offers. Like every Blue Cross NC ACA plan, it's available in Bronze, Silver, and Gold tiers, and most applicants qualify for a premium tax credit that lowers the monthly cost based on income and household size.
If nationwide access isn't something you need, it's worth comparing Blue Advantage against Blue Care or a Blue Home plan first — you may get nearly identical in-state coverage for meaningfully less.
You can enroll during the annual Open Enrollment Period (November 1 – January 15) or during a Special Enrollment Period if you've had a qualifying life event — a job change, a move, a new dependent, or losing other coverage.
A licensed Health Plans of NC agent can confirm your specific doctors are in-network, check what subsidy you qualify for, and compare Blue Advantage against the other six Blue Cross NC plans with you — at no cost. Call 800-797-0327.
Blue Advantage is a PPO (Preferred Provider Organization) plan. That means you can see out-of-network providers — you’ll just pay more — and you generally don’t need a referral to see a specialist. It’s the most flexible network Blue Cross NC offers.
Yes. Blue Advantage includes nationwide in-network access through the BlueCard® program, and emergency care is always covered at the in-network benefit level no matter where you are — including in nearly 200 countries and territories worldwide.
Yes, Blue Advantage is available in all 100 North Carolina counties. In 25 of them it’s available off-Marketplace only, meaning you’d enroll directly (through an agent or Blue Cross NC) rather than through HealthCare.gov. A Health Plans of NC agent can handle either path for you.
Both give you nearly the same broad in-state network (about 95% of NC doctors), but Blue Advantage is a PPO that adds nationwide out-of-network coverage, while Blue Care is an HMO limited to North Carolina with no out-of-network benefit except emergencies. Blue Advantage costs a bit more for that added flexibility.
Our recommendation: choose Blue Advantage if you travel, split time between states, or want maximum provider choice; choose Blue Care if you stay in NC and want to save on premium.
Statewide NC network
Blue Care® is an HMO health plan from Blue Cross NC that offers the company's largest in-state network — more than 95% of North Carolina doctors and 98% of NC hospitals in-network — at a lower monthly premium than the nationwide Blue Advantage PPO.
The trade-off for that lower premium is that Blue Care keeps your care inside North Carolina: outside of urgent and emergency situations, only in-network NC providers are covered, and there's no out-of-network benefit. For NC residents who rarely travel, Blue Care delivers almost the same broad provider choice as Blue Advantage for less money — which is why we often recommend it as the best-value option for people who stay in-state.
Blue Care fits residents who live and receive their care entirely within North Carolina, want broad in-state provider choice without paying for nationwide coverage they won't use, and are comfortable with no out-of-network benefit outside of emergencies.
It's a poor fit if you split time between states, have kids at out-of-state college, or travel frequently for work — non-emergency care outside North Carolina isn't covered. If that's you, Blue Advantage is the better choice.
Statewide network – Statewide NC network
Network: North Carolina only. A large network, with more than 95% of North Carolina doctors and 98% of North Carolina hospitals in-network.
Out-of-area care: Emergency / urgent only.
Offered in Bronze, Silver, and Gold tiers.
Blue Care is available in all North Carolina counties, except: Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Orange, Person, and Wake.
Blue Care is an HMO built on Blue Cross NC's largest in-state network — more than 95% of North Carolina doctors and 98% of NC hospitals in-network. It's priced lower than the nationwide Blue Advantage PPO because it trades nationwide access for coverage that stays inside North Carolina.
Outside of emergency and urgent care, only in-network NC providers are covered — there's no out-of-network benefit to fall back on, so it's worth confirming your specific doctors participate before you enroll.
Blue Care is sold in every NC county except Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Orange, Person, and Wake — those counties fall inside the Triangle-area service area for the Blue Home℠ with UNC Health Alliance plan instead. If you live in one of the excluded counties, Blue Care isn't available to you regardless of which providers you use.
Because the in-state network is nearly as broad as Blue Advantage's, most Blue Care members never notice a difference in provider choice day to day — the difference only shows up if you need care outside North Carolina.
Blue Care's premium runs lower than Blue Advantage's specifically because it removes the nationwide and out-of-network safety net. It's offered in Bronze, Silver, and Gold tiers, and most applicants qualify for a premium tax credit that lowers the monthly cost based on income and household size.
You can enroll during the annual Open Enrollment Period (November 1 – January 15) or during a Special Enrollment Period if you've had a qualifying life event — a job change, a move, a new dependent, or losing other coverage.
A licensed Health Plans of NC agent can confirm your doctors are in-network, check your subsidy, and compare Blue Care against Blue Advantage and the regional plans — at no cost. Call 800-797-0327.
Yes. Blue Care is structured as an HMO with a statewide North Carolina network. Outside of urgent and emergency situations, care is only covered when you use in-network NC providers.
Only urgent and emergency care is covered outside your Blue Care network. Routine or non-emergency care while traveling out of state is not covered, so Blue Care is best for people who receive their care in North Carolina.
Blue Care isn’t offered in Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Orange, Person, or Wake counties. In several of those counties, Blue Home℠ with UNC Health Alliance is offered instead.
Charlotte / Piedmont · NC & SC
Blue Local℠ with Atrium Health is a Blue Cross NC plan built around Atrium Health's network of 20 hospitals and 700+ care locations across North and South Carolina. It includes two children's hospitals — Levine Children's Hospital (nationally ranked in 10 pediatric specialties) and Brenner Children's Hospital — plus the Atrium Health Wake Forest Baptist Comprehensive Cancer Center, one of only three comprehensive cancer centers in North Carolina.
This is a single-system regional plan offered at a lower premium, with only Atrium Health providers in-network. We especially recommend it for families who may need pediatric specialty care or comprehensive cancer care and live in one of the 17 eligible counties across the Charlotte and Piedmont regions.
Good fit if you have a child who needs or may need care at Levine or Brenner Children's Hospital, are managing a cancer diagnosis and want access to a comprehensive cancer center, or live in one of the 17 eligible counties across the Charlotte/Piedmont region.
Poor fit if your regular doctors are with CaroMont Health, Cone Health, or Novant Health — all three are out-of-network.
Regional network – Charlotte / Piedmont · NC & SC6
Network: Atrium Health only1 (incl. Levine Children’s4).
Out-of-area care: Emergency / urgent only.
Offered in Bronze, Silver, and Gold tiers.
Notes
Blue Cross NC has collaborated with Atrium Health to bring you Blue Local with Atrium Health, a health insurance plan offered by Blue Cross NC that provides access to Atrium Health’s comprehensive network of providers. Atrium Health is an independent company and is solely responsible for the physicians and medical facilities it owns/operates. Atrium Health does not offer Blue Cross or Blue Shield products or services.
Atrium Health, atriumhealth.org/about-us/newsroom/news/atrium-health-earns-multiple-us-news-and-world-report-honors (Accessed September 2023).
Atrium Health Wake Forest Baptist, www.wakehealth.edu/about-us (Accessed August 2022).
Atrium Health, www.atriumhealth.org/about-us (Accessed August 2022).
Atrium Health Wake Forest Baptist, www.wakehealth.edu/locations/facilities/comprehensive-cancer-center (Accessed September 2023).
Atrium Health, https://2023yir.advocatehealth.org/ (Within the full report) (Accessed September 2024).
Blue Local with Atrium Health is available on and off Marketplace to residents of these North Carolina counties: Anson, Cabarrus, Cleveland, Davidson, Davie, Forsyth, Gaston, Guilford, Lincoln, Mecklenburg, Randolph, Rowan, Stanly, Stokes, Union, Wilkes and Yadkin.
This plan is built around a single system, Atrium Health, which is what keeps the premium lower than Blue Cross NC's broad-network plans. Only Atrium Health providers are in-network — outside of emergency and urgent care, CaroMont Health, Cone Health, and Novant Health are not covered.
Atrium Health's network spans 20 hospitals and more than 700 care locations across North and South Carolina, including two children's hospitals — Levine Children's Hospital, nationally ranked in 10 pediatric specialties, and Brenner Children's Hospital — plus the Atrium Health Wake Forest Baptist Comprehensive Cancer Center, one of only three comprehensive cancer centers in North Carolina.
This makes it a particularly strong option for families who may need pediatric specialty care or anyone managing a cancer diagnosis, since that care is coordinated within one system rather than requiring referrals across networks.
The lower premium reflects the narrower, single-system network. It's offered in Bronze, Silver, and Gold tiers, and most applicants qualify for a premium tax credit based on income and household size.
This plan is available across 17 counties in the Charlotte and Piedmont regions. If your doctors are with CaroMont, Cone, or Novant instead, this plan won't cover them outside of an emergency.
You can enroll during the annual Open Enrollment Period (November 1 – January 15) or during a Special Enrollment Period if you've had a qualifying life event — a job change, a move, a new dependent, or losing other coverage.
A licensed Health Plans of NC agent can confirm your Atrium Health providers are in-network, check your subsidy, and compare this plan against Blue Advantage® and Blue Care® — at no cost. Call 800-797-0327.
Yes — Levine Children’s Hospital, nationally ranked in 10 pediatric specialties, is part of the in-network Atrium Health system on Blue Local℠ with Atrium Health, along with Brenner Children’s Hospital.
Yes — the Atrium Health Wake Forest Baptist Comprehensive Cancer Center is one of only three comprehensive cancer centers in North Carolina and is in-network on this plan.
Those systems are out-of-network on Blue Local℠ with Atrium Health. This plan only covers Atrium Health providers in-network, except for emergency and urgent care.
Limited statewide network
Blue Value℠ is a Blue Cross NC plan offering a limited statewide network at a lower monthly premium than broader-network options. The network includes Atrium Health Wake Forest Baptist, CaroMont Health, Duke Health Lake Norman Regional Medical Center, Duke LifePoint Healthcare, Novant Health, and UNC Health Alliance — but it does not include the rest of Atrium Health, the rest of Duke Health, or WakeMed Health.
Unlike the single-system Blue Home℠ plans, Blue Value spans several regional systems, but it's still a limited network built to keep premiums low. We recommend it for generally healthy individuals and families who prioritize the lowest premium and are flexible about which specific doctors and hospitals they use — as long as you confirm your providers are in the Blue Value network first.
Good fit if you're generally healthy and rarely need specialist care, prioritize the lowest possible premium over provider choice, and are flexible about which specific doctors and hospitals you use.
Poor fit if you're managing an ongoing condition and want a stable relationship with one large hospital system, or if your regular doctors are with the excluded parts of Atrium Health, Duke Health, or WakeMed.
Limited network – Limited statewide network
Network: A limited multi-system NC network.
Out-of-area care: Emergency services and urgent care outside of NC are covered at the in-network benefit level. All other non-emergency covered services are covered at the out-of-network benefit level.
Offered in Bronze, Silver, and Gold tiers.
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 Value trades network breadth for the lowest premium among Blue Cross NC's individual plans. Unlike the single-system Blue Home and Blue Local℠ plans, it spans several regional health systems rather than just one — but the network is still limited. Care from providers outside the Blue Value network is covered only at the higher-cost out-of-network benefit level, so you pay the least by staying with the specific systems in the network.
The Blue Value network includes Atrium Health Wake Forest Baptist, CaroMont Health, Duke LifePoint Healthcare (including Lake Norman Regional Medical Center), Novant Health, and UNC Health Alliance. It does not include the rest of Atrium Health, the rest of Duke Health, or WakeMed Health — so a provider being “Atrium” or “Duke” isn't enough to confirm coverage; the specific facility matters.
Because the network mixes several systems rather than centering on one, this plan works best for people who don't have an established relationship with a specific health system and are comfortable confirming coverage facility-by-facility.
Blue Value is generally the lowest-premium option Blue Cross NC offers, which makes it attractive if you're healthy and expect to use care infrequently. It's offered in Bronze, Silver, and Gold tiers, and most applicants qualify for a premium tax credit based on income and household size.
This plan is available across 15 counties, mostly in the western Piedmont and southeastern coastal areas of the state.
You can enroll during the annual Open Enrollment Period (November 1 – January 15) or during a Special Enrollment Period if you've had a qualifying life event — a job change, a move, a new dependent, or losing other coverage.
A licensed Health Plans of NC agent can confirm your specific providers are in the Blue Value network, check your subsidy, and compare this plan against the others — at no cost. Call 800-797-0327.
Blue Value is positioned as a lower-premium option because it uses a limited network. Whether it’s actually the cheapest for you depends on your age, county, and subsidy eligibility, so get a personalized quote to confirm.
The Blue Value network includes Atrium Health Wake Forest Baptist, CaroMont Health, Duke Health Lake Norman Regional Medical Center, Duke LifePoint Healthcare, Novant Health, and UNC Health Alliance. It does not include the rest of Atrium Health, the rest of Duke Health, or WakeMed Health.
Emergency and urgent care are covered at the in-network rate anywhere. All other care outside North Carolina is covered only at the higher out-of-network benefit level, so Blue Value is best for people who get their care in NC.
Every Blue Cross NC individual plan comes in three “metal” tiers that describe how you and the plan split covered costs. Bronze plans have the lowest monthly premium but pay about 60% of covered costs, so you pay roughly 40% when you use care. Silver plans pay about 70% (you pay ~30%), and Gold plans pay about 80% (you pay ~20%) in exchange for a higher premium.
As a rule of thumb: Bronze suits people who rarely use care and want the lowest premium, Gold suits people who use regular or ongoing care, and Silver is the middle ground. Silver is also the only tier that unlocks Cost-Sharing Reductions (CSRs) — extra savings on deductibles and copays if your income qualifies — so many subsidy-eligible shoppers get the best overall value from a Silver plan. A licensed Health Plans of NC agent can run the numbers for your situation at no cost.
The most important step before choosing any plan is confirming your doctors, specialists, and preferred hospitals are in that plan’s network. Networks differ a lot between Blue Cross NC plans — a doctor who is in-network on one plan may be out-of-network, and far more expensive, on another.
You can check each plan’s provider directory on bcbsnc.com, or — the easier route — call a Health Plans of NC agent at 800-797-0327 and we’ll verify your specific providers before you enroll, at no charge.
Most North Carolinians who buy their own coverage qualify for a premium tax credit — a subsidy based on your income and household size that lowers what you pay each month. Subsidy amounts and eligibility rules can change from year to year, so the only way to know your real price is to run a personalized quote.
Health Plans of NC can check your subsidy eligibility and show you the after-subsidy premium for any of these plans for free. Call 800-797-0327 or request a quote online.
You can enroll during the annual Open Enrollment Period, which runs each fall (generally starting November 1) for coverage that begins the following year. Outside that window, you can still enroll if you have a qualifying life event — such as losing other coverage, moving, marriage, or having a baby — which opens a 60-day Special Enrollment Period.
Because enrollment dates and rules can change, it’s worth confirming the current deadline. A Health Plans of NC agent can tell you whether you’re eligible to enroll right now — call 800-797-0327.
Nothing. Health Plans of North Carolina is an independent, authorized agency licensed to sell Blue Cross NC plans, and our help — comparing plans, checking your doctors, estimating subsidies, and enrolling — is completely free to you. Agents are paid by the insurance company, and the plan price is the same whether you enroll with us or on your own.
Call 800-797-0327 to talk with a licensed local agent.
| Carrier | Distinct plans |
|---|---|
| Blue Cross and Blue Shield of NC | 36 |
| Ambetter of North Carolina | 14 |
| Oscar Health Plan of North Carolina | 14 |
| Total | 64 |
Source: CMS QHP Landscape PY2026, Individual Market Medical, updated August 26, 2026 (data.healthcare.gov). Counts distinct Plan IDs offered on the Marketplace in Lincoln County, once per carrier.
in North Carolina
Find affordable health insurance in Lincoln County, NC with Health Plans of NC. Health Plans of NC helps Lincoln County, NC residents find and enroll in health insurance coverage that fits their needs and budget, with access to local providers like Atrium Health Lincoln and employers such as Lincoln County Schools. Whether you are self-employed, between jobs, or exploring your options for the first time, Health Plans of NC compares every available plan at no cost.
Plan Network | Type | Network Coverage |
|---|---|---|
Blue Advantage® | PPO | Largest nationwide network, 95%+ of NC doctors in-network |
Blue Care® | HMO | Broad statewide network, 95%+ of NC doctors in-network |
Blue Value℠ | POS | Value-focused HMO with lower premiums |
Blue Local℠ with Atrium Health | EPO | Available in Lincoln County |
Lincoln County is home to 90,359 residents, a population that has grown 4.1 percent since 2020, and 5.1 percent of residents were born outside the United States, reflecting a diverse community with a wide range of coverage needs. Major employers such as Lincoln County Schools, Atrium Health Lincoln, Lincoln County government, Walmart, and The Timken Company create a mix of employer-sponsored and individually purchased coverage arrangements across the county. Residents who do not have access to job-based coverage can explore ACA Marketplace plans, Medicaid, CHIP, short-term coverage, COBRA continuation, or small business SHOP plans through Health Plans of NC.
ACA Marketplace coverage is available to Lincoln County residents who are not offered qualifying employer-sponsored insurance through workplaces like Walmart or The Timken Company.
Medicaid coverage serves qualifying low-income Lincoln County adults and families, including those employed part-time or seasonally by local employers such as Lincoln County government.
Employer-sponsored insurance is offered by major Lincoln County employers including Lincoln County Schools and Atrium Health Lincoln, covering a significant portion of the local workforce.
Short-term coverage can bridge gaps for Lincoln County residents between jobs or waiting for employer benefits to begin, though these plans do not meet ACA minimum standards.
COBRA continuation coverage allows Lincoln County workers who leave positions at employers like The Timken Company or Walmart to maintain their existing group health benefits temporarily.
Small business SHOP plans are available to Lincoln County employers with fewer than 50 employees who want to offer group health coverage to their staff through the ACA marketplace.
For 2026, Lincoln County residents can choose from plans offered across four Blue Cross NC networks, including PPO, HMO, EPO and POS plan structures that connect enrollees to local and regional care. The Blue Local with Atrium Health network is specifically available in Lincoln County, making it a strong option for residents who primarily use Atrium Health Lincoln for their care. Health Plans of NC can walk Lincoln County residents through each network option to identify which plan structure aligns with their preferred providers and coverage needs.
Blue Advantage, a PPO plan, gives Lincoln County residents access to the largest nationwide network, with more than 95 percent of North Carolina doctors included as in-network providers.
Blue Care, an HMO plan, offers broad statewide network coverage with more than 95 percent of North Carolina doctors in-network, suitable for Lincoln County residents who see specialists across the region.
Blue Value, a POS plan, provides a value-focused coverage structure with lower monthly premiums, designed for Lincoln County residents who want cost-efficient access to essential care.
Blue Local with Atrium Health, an EPO plan, is available specifically in Lincoln County and centers coverage around the Atrium Health system, including Atrium Health Lincoln at 433 McAlister Road in Lincolnton.
POS plans like Blue Value let Lincoln County residents choose a primary care provider without needing referrals for specialist visits, which can streamline care coordination for those using local providers.
Plans like Blue Advantage, Blue Care, and Blue Local with Atrium Health offer Lincoln County residents more flexibility to see specialists and out-of-area providers without a referral requirement.
Bronze plans in Lincoln County start at approximately $522.41/month before subsidies. With a median household income of $78,490, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Lincoln County start at $522.41 per month before subsidies for a 35-year-old, offering the lowest premiums with higher deductibles for residents who want catastrophic cost protection.
Silver plans start at $671.42 per month before subsidies and are the only tier eligible for cost-sharing reductions, which lower deductibles and out-of-pocket maximums for qualifying residents.
Gold plans start at $694.31 per month before subsidies and feature higher premiums paired with lower out-of-pocket costs, making them well-suited for residents who use care frequently throughout the year.
Lincoln County residents with household incomes between 100 and 400 percent of the federal poverty level qualify for ACA premium tax credits that can reduce monthly costs well below the listed starting prices.
Residents with incomes between 100 and 250 percent of the federal poverty level may also qualify for cost-sharing reductions on Silver plans, lowering deductibles and annual out-of-pocket maximums.
Some Lincoln County enrollees may qualify for a zero-dollar premium Silver plan depending on their household income and size, making comprehensive coverage available at no monthly cost.
Blue Cross NC is one of three ACA Marketplace carriers serving Lincoln County for 2026, offering a total of 36 individual and family plans across multiple network and plan-type options. These 36 plans span four networks, including Blue Advantage, Blue Care, Blue Value, and Blue Local with Atrium Health, available as PPO, HMO, EPO and POS plan structures. The Blue Local with Atrium Health network connects Lincoln County enrollees directly to Atrium Health Lincoln and the broader Atrium Health regional system, while broader networks like Blue Advantage extend access to providers statewide and nationwide. The network a Lincoln County resident selects directly determines which local providers, specialists, and urgent care facilities are accessible in-network, making plan-to-network matching a critical step in the enrollment process. Health Plans of NC compares every Blue Cross NC plan available in Lincoln County side-by-side at no cost, helping residents find coverage that aligns with both their provider preferences and financial situation.
Blue Cross NC, offering 36 ACA Marketplace plans for Lincoln County residents in 2026, including PPO, HMO, EPO and POS options across the Blue Advantage, Blue Care, Blue Value, and Blue Local with Atrium Health networks.
North Carolina expanded Medicaid in December 2023, and Lincoln County adults with household incomes at or below 138 percent of the federal poverty level may now qualify for free or very low-cost coverage. Lincoln County currently has an uninsured rate of 9.2 percent, representing approximately 8,000 residents without coverage, many of whom may be newly eligible under Medicaid expansion. Children in Lincoln County families with incomes up to 210 percent of the federal poverty level may qualify for NC Health Choice, the state's CHIP program, providing affordable pediatric coverage to households that earn too much for Medicaid. Health Plans of NC provides free eligibility checks for Medicaid and CHIP so Lincoln County residents can quickly determine whether they qualify for these programs before exploring Marketplace options.
Working adults in Lincoln County who are employed part-time or in lower-wage positions and whose income falls at or below 138 percent of the federal poverty level may now qualify for Medicaid at no premium cost.
Children in Lincoln County families can access NC Health Choice coverage if household income is too high for Medicaid but still creates affordability barriers for private insurance premiums.
Pregnant women in Lincoln County are eligible for Medicaid at higher income thresholds than the standard adult threshold, ensuring access to prenatal and delivery care through the local Atrium Health system.
Lincoln County seniors with low incomes may qualify for dual eligibility, receiving both Medicare and Medicaid benefits, which can eliminate most out-of-pocket costs for medical and prescription services.
Residents with disabilities in Lincoln County may qualify for Medicaid regardless of age, and Lincoln County's 9.0 percent poverty rate means a meaningful share of the population may meet income-based eligibility criteria for these programs.
Health Plans of NC licensed agents serve Lincoln County residents at no cost, comparing every available plan side-by-side and guiding you through the full enrollment process from eligibility to activation. Call 800-797-0327 today to speak with an agent who knows the Lincoln County market and 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 Lincoln 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 Lincoln | 433 McAlister Rd, Lincolnton, NC 28092 |
Clinic | Address | Phone |
|---|---|---|
Fryecare Lincolnton Medical Group | 1470 E Gaston St Ste 300, Lincolnton, NC 28092 | |
Kintegra Family Dentistry - Lincolnton | 111 Doctors, Lincolnton, NC 28092 | |
Kintegra Family Medicine - Lincolnton | 212 Gamble Dr, Lincolnton, NC 28092 | |
Advanced Urgent Care & Wellness | 111 Dave Warlick Dr, Lincolnton, NC 28092 | |
Atrium Health Primary Care Denver Family Medicine | 1585 Forney Creek Pkwy Ste 2100, Denver, NC 28037 | |
Atrium Health Primary Care One Health Family Medicine | 7482 Waterside Crossing Blvd Ste 202, Denver, NC 28037 | |
Atrium Health Urgent Care | 275 N NC 16 Business Hwy Ste 104, Denver, NC 28037 | |
Atrium Health Urgent Care | 1802 E Main St, Lincolnton, NC 28092 | |
Carolinas Healthcare System/Lincoln Family Practice | 447 McAlister Rd Suite 2400, Lincolnton, NC 28092 | |
Denver Family Practice | 5732 Hwy 150 E, Denver, NC 28037 |
Lincoln County ZIP Codes include: 28033, 28037, 28080, 28092, 28093, and 28168
