Find Your Most Affordable Health Insurance Plan in Montgomery County
in North Carolina
Montgomery County residents can compare 15 health insurance options for 2025.
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.
in North Carolina
Find affordable health insurance in Montgomery County, NC with Health Plans of NC. Montgomery County, NC is a lovely rural county in the center of North Carolina, home to around 25,874 residents who enjoy a peaceful way of life surrounded by outdoor recreation, rich history, and a strong community spirit. Health Plans of NC helps Montgomery County families and individuals find coverage through Blue Cross NC, the carrier serving this market, with 15 plans available for 2025. With an uninsured rate of 13.1 percent, representing roughly 3,000 residents without coverage, finding the right health insurance plan is one of the most important decisions a Montgomery County household can make.
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 residents can access a range of health insurance options through the ACA marketplace, Medicaid, and employer-sponsored plans, all available through Blue Cross NC for the 2025 plan year. Families working with employers in the county, as well as self-employed individuals and those between jobs, each have distinct coverage pathways depending on household income and the size of their family. Health Plans of NC agents help Montgomery County residents identify which option fits their situation, comparing all 15 available plans side by side at no cost to the consumer.
Lower-cost, high-deductible plans suited for healthy individuals and young adults in Montgomery County who want to protect against catastrophic medical events while keeping monthly premiums as low as $439.77 per month before subsidies.
Mid-tier plans designed for Montgomery County families who visit providers like FirstHealth Montgomery Memorial Hospital regularly and want a balance between manageable monthly costs and reasonable out-of-pocket expenses at the point of care.
Comprehensive, lower-deductible plans best suited for Montgomery County residents with ongoing health conditions, frequent specialist visits, or growing families who need predictable costs and broad access to regional health systems.
Medicaid coverage available to eligible low-income Montgomery County residents, particularly relevant given the county's 16.1 percent poverty rate, which means a meaningful share of the population may qualify for little to no premium cost.
Subsidized marketplace plans for Montgomery County households earning between 100 and 400 percent of the federal poverty level, with many residents qualifying for premium tax credits that can significantly reduce the $439.77 starting monthly cost.
Short-term and gap coverage options for Montgomery County residents who are between jobs, aging off a parent's plan, or waiting for employer coverage to begin, providing temporary protection while a longer-term plan is selected.
For the 2025 plan year, Blue Cross NC is the health insurance carrier offering marketplace plans in Montgomery County, with 15 plans available across multiple coverage levels and plan structures. Blue Cross NC offers a variety of plan types including HMO, PPO, EPO, and Catastrophic options, giving Montgomery County residents flexibility in how they access care and manage costs. The Blue Cross NC provider network includes access to key local and regional facilities such as FirstHealth Montgomery Memorial Hospital at 520 Allen St in Troy, as well as larger regional centers like FirstHealth Moore Regional Hospital in Pinehurst, ensuring that Montgomery County residents can receive both routine and specialized care. Choosing the right plan structure matters significantly in a rural county like Montgomery County, where provider availability can vary by network tier, and selecting an out-of-network provider can result in substantially higher costs. Health Plans of NC agents compare every available Blue Cross NC plan side by side at no cost to Montgomery County residents, helping them match their budget and healthcare needs to the right option. With a median household income of $55,849 and an uninsured rate of 13.1 percent affecting approximately 3,000 people, many Montgomery County residents stand to benefit from expert guidance in identifying subsidies, Medicaid eligibility, or the most cost-effective marketplace plan available.
Blue Cross NC, offering 15 marketplace plans in Montgomery County for the 2025 plan year across multiple plan types and coverage tiers.
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.
The entry-level marketplace plan in Montgomery County starts at $439.77 per month, but premium tax credits based on income can reduce this cost significantly for qualifying households.
Montgomery County residents earning up to 150 percent of the federal poverty level may qualify for enhanced subsidies that bring monthly premiums to $0, making marketplace coverage effectively free for the lowest-income working adults.
With a median household income of $55,849, many Montgomery County families fall within the income range that qualifies for meaningful ACA premium tax credits, reducing the net cost of mid-tier and comprehensive plans.
The county's 16.1 percent poverty rate means a substantial share of residents may qualify for Medicaid, which offers comprehensive coverage with little to no monthly premium and low cost-sharing at the point of care.
Montgomery County's uninsured rate of 13.1 percent, representing approximately 3,000 residents, suggests that many people in the county are paying out of pocket for care, often at far greater total cost than an insured plan would require.
Residents who receive care at FirstHealth Montgomery Memorial Hospital in Troy without insurance face full billed charges, while insured patients benefit from negotiated rates, making even a subsidized low-cost plan a financially sound investment.
Individual and Family plan premiums in Montgomery County before subsidies: Bronze plans start at $439.77/month (lowest premiums, highest deductible); Silver plans start at $576.48/month (mid-range cost, eligible for cost-sharing reductions); Gold plans start at $604.90/month (higher premiums, lower out-of-pocket). Catastrophic coverage is also available for Montgomery County residents under 30 or with a hardship exemption. Most Montgomery County residents qualify for ACA premium tax credits that can significantly lower monthly costs. Health Plans of NC provides free personalized quotes with exact subsidy calculations.
North Carolina expanded Medicaid in December 2023. Montgomery County residents earning up to 138% of the federal poverty level may qualify for free or low-cost coverage. Currently 13.1% of Montgomery County residents (about 3,000 people) are uninsured. Many may now qualify. Children in families earning up to 210% FPL may qualify for NC Health Choice (CHIP). Call Health Plans of NC for a free eligibility check.
Montgomery County is home to 25,874 residents. The median household income is $55,849. The county has grown 0.5% since 2020. The uninsured rate is 13.1%. 8.0% of residents are foreign-born. Health Plans of NC helps Montgomery County residents find the right plan at no cost.
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
