Find Your Most Affordable Health Insurance Plan in Montgomery County
in North Carolina
Montgomery 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 Montgomery County, NC with Health Plans of NC. Health Plans of NC helps Montgomery County residents find affordable health insurance coverage for 2026, working with families, individuals, and employees of local employers like Montgomery County Schools and Saputo Cheese USA to compare 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 | PPO | Broad statewide network, 92%+ of NC doctors in-network |
Montgomery County is a rural community of 25,874 residents that has grown 0.5 percent since 2020, with 8.0 percent of residents born outside the United States, creating a diverse range of coverage needs across households. Atrium Health Montgomery serves as a key health system anchor for the county, and residents working for major employers like Jordan Lumber and Supply, NIPCAM Services, Saputo Cheese USA, and the County of Montgomery each have distinct coverage pathways depending on their employment situation. Health Plans of NC helps every type of Montgomery County household navigate the full range of available coverage options, from ACA marketplace plans to Medicaid and employer-sponsored benefits.
ACA Marketplace coverage is available to Montgomery County residents who are self-employed, part-time workers at employers like Jordan Lumber and Supply, or those who do not have access to job-based insurance.
Medicaid coverage is available to eligible low-income Montgomery County residents, including many who work for smaller county employers and may not realize they qualify for free or low-cost coverage through North Carolina's expanded program.
Employer-sponsored insurance is a primary coverage pathway for full-time employees at major local employers such as Montgomery County Schools, NIPCAM Services, and Saputo Cheese USA, where group benefits are typically offered as part of compensation.
Short-term health coverage provides temporary protection for Montgomery County residents who are between jobs, recently left an employer like the County of Montgomery, or are waiting for a new group plan to begin.
COBRA continuation coverage allows eligible Montgomery County workers who leave a qualifying employer, such as a school system or larger private employer, to maintain their existing group health benefits for a limited period.
Small business SHOP marketplace plans are available to Montgomery County employers with fewer than 50 full-time employees, giving local businesses a structured way to offer health benefits and potentially qualify for federal tax credits.
For 2026, Blue Cross NC offers 15 marketplace plans in Montgomery County across two plan networks, Blue Advantage and Blue Care, giving residents meaningful flexibility in how they access care at local and regional facilities. Both networks include access to FirstHealth Montgomery Memorial Hospital in Troy, which serves as the primary local hospital for Montgomery County residents, as well as larger regional centers within the FirstHealth and Atrium Health systems for specialty and advanced care. Health Plans of NC agents explain the differences between each network and plan type so Montgomery County residents can choose the structure that best matches their providers and their budget.
Blue Advantage, a PPO network, includes the largest nationwide provider network available through Blue Cross NC, with more than 95 percent of North Carolina doctors participating in-network, giving Montgomery County residents broad access to local and out-of-area specialists.
Blue Care, a PPO network, covers a broad statewide provider network with more than 92 percent of North Carolina doctors in-network, connecting Montgomery County residents to FirstHealth Montgomery Memorial Hospital and regional referral centers.
Both Blue Advantage and Blue Care PPO plans allow Montgomery County residents to see specialists without a referral, which is particularly important for rural households who may need to travel to facilities like FirstHealth Moore Regional Hospital in Pinehurst.
Plan types available through Blue Cross NC in Montgomery County include HMO, PPO, EPO, and Catastrophic options, providing coverage structures suited to a wide range of healthcare utilization patterns and provider preferences.
Catastrophic plans are available through Blue Cross NC for Montgomery County residents under age 30 or those who qualify through a hardship exemption, offering low-premium protection against major medical events with higher cost-sharing at the point of care.
Health Plans of NC agents compare all 15 Blue Cross NC plans available in Montgomery County side by side, helping residents match the right network and plan type to their preferred providers and expected care needs.
Bronze plans in Montgomery County start at approximately $439.77/month before subsidies. With a median household income of $55,849, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans start at $439.77 per month for a 35-year-old in Montgomery County before subsidies, offering the lowest available monthly premium with higher deductibles and out-of-pocket costs when care is needed.
Silver plans start at $576.48 per month before subsidies and are the only tier eligible for cost-sharing reductions, which can lower deductibles and copays for Montgomery County residents who qualify based on income.
Gold plans start at $604.90 per month before subsidies and offer lower out-of-pocket costs at the point of care, making them a strong fit for Montgomery County residents who visit providers frequently or have ongoing health needs.
Montgomery County residents earning up to 150 percent of the federal poverty level may qualify for enhanced subsidies that reduce monthly Silver plan premiums to zero dollars, making comprehensive coverage available at no monthly cost.
Premium tax credits are available to Montgomery County households earning between 100 and 400 percent of the federal poverty level, and many residents with incomes near the county median qualify for meaningful reductions on Bronze, Silver, and Gold plans.
Out-of-pocket maximums for 2026 marketplace plans cap the total amount a Montgomery County enrollee pays for covered services in a year, protecting against catastrophic medical expenses even on lower-cost Bronze tier plans.
Blue Cross NC is the sole ACA marketplace carrier offering plans in Montgomery County for 2026, with 15 plans available across multiple coverage tiers and plan structures. Those plans are offered through two distinct provider networks, Blue Advantage and Blue Care, both structured as PPO plans that give enrollees direct access to specialists without requiring referrals. Blue Advantage connects Montgomery County residents to the largest nationwide network available through Blue Cross NC, while Blue Care provides a broad statewide network that includes key local facilities serving the county. Network choice matters significantly in a rural county like Montgomery County, where selecting the right plan ensures seamless access to community providers at in-network rates rather than facing higher out-of-network costs. Health Plans of NC compares every available Blue Cross NC plan side by side at no cost to Montgomery County residents, helping each household identify the right carrier, network, and tier for their needs.
Blue Cross NC, offering 15 ACA marketplace plans in Montgomery County for 2026, available as HMO, PPO, EPO, and Catastrophic plan types across Blue Advantage and Blue Care network options.
North Carolina expanded Medicaid in December 2023, extending free or low-cost coverage to adults earning up to 138 percent of the federal poverty level, which opened eligibility to thousands of previously uninsured residents across the state. In Montgomery County, 13.1 percent of residents, approximately 3,000 people, remain without health insurance, and many of them may now qualify for Medicaid or a subsidized marketplace plan without realizing it. Children in families earning up to 210 percent of the federal poverty level may qualify for NC Health Choice, the state's CHIP program, which provides comprehensive pediatric coverage at little to no cost. Health Plans of NC offers free eligibility checks for Montgomery County residents who want to find out whether they or their family members qualify for Medicaid, CHIP, or marketplace coverage.
Working adults in Montgomery County who earn low wages and are not offered employer coverage may qualify for expanded Medicaid at no monthly premium, thanks to North Carolina's December 2023 expansion.
Children in Montgomery County whose families earn too much for Medicaid but still have limited incomes may qualify for NC Health Choice, providing dental, vision, and medical coverage at reduced cost.
Pregnant women in Montgomery County are eligible for Medicaid coverage that includes prenatal care, delivery, and postpartum services, often at no cost depending on household income.
Montgomery County's poverty rate of 16.1 percent means a meaningful share of county residents may qualify for Medicaid, particularly elderly residents and those with disabilities who meet both income and asset requirements.
People with disabilities in Montgomery County who receive Supplemental Security Income may qualify for Medicaid automatically, providing access to a broad network of medical, behavioral health, and long-term services.
Health Plans of NC licensed agents serve Montgomery County residents at no cost, comparing every available plan side by side and guiding households through enrollment from start to finish. Call 800-797-0327 today to speak with an agent who knows the Montgomery County market and can help you find the right coverage for your family.
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 Montgomery 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 |
Montgomery County ZIP Codes include: 27209, 27229, 27247, 27306, 27356, and 27371
