Find Your Most Affordable Health Insurance Plan in Randolph County

in North Carolina
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Blue Advantage

Nationwide (BlueCard®)

Nationwide
NetworkAnywhere in the U.S. and abroad; 95%+ of NC doctors
Out-of-area careCovered (lower benefit level)
Best forFrequent travelers, dual-state families, anyone wanting the most choice
Plan details & availability ▾

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.

Highlights

  • PPO plan — see any provider, no referrals needed
  • 95%+ of NC doctors and 98% of NC hospitals in-network
  • Nationwide in-network access through BlueCard®
  • Out-of-network care is covered at a lower benefit level
  • Emergency care covered at the in-network rate worldwide
  • Available in all 100 NC counties
  • Offered in Bronze, Silver, and Gold tiers

A good fit if

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.

Not a good fit if

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.

Network type
Nationwide PPO
Out-of-network care
Covered at a lower benefit level
Out-of-state care
Covered nationwide

Network

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

  1. Blue Cross NC Provider Internal Data; percentages indicated represent the Blue Cross NC PPO Network as of April 7, 2025.

  2. 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.

Availability

Blue Advantage Availability Map

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.

More about Blue Advantage

How Blue Advantage works

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.

Coverage that travels with you

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®.

What it costs, and why

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.

Enrolling in Blue Advantage

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 questions (4)
Is Blue Advantage a PPO or an HMO?

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.

Does Blue Advantage cover me if I travel out of state?

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.

Is Blue Advantage available in every NC county?

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.

How is Blue Advantage different from Blue Care?

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.

See the full Blue Advantage page →

Blue Care

Statewide NC network

Statewide
NetworkNorth Carolina only; 95%+ of NC doctors and 98% of NC hospitals
Out-of-area careEmergency / urgent only
Best forNC residents who rarely travel and want broad in-state choice for less
Plan details & availability ▾

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.

Highlights

  • HMO plan with Blue Cross NC's largest statewide NC network
  • 95%+ of NC doctors and 98% of NC hospitals in-network
  • Lower premium than the Blue Advantage PPO
  • No out-of-network coverage except urgent and emergency care
  • No coverage for non-emergency care outside North Carolina
  • Offered in Bronze, Silver, and Gold tiers

A good fit if

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.

Not a good fit if

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.

Network type
Statewide HMO
Out-of-network care
Emergency and urgent care only
Out-of-state care
Emergency and urgent care only

Network

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.

Availability

Blue Care Availability Map

Blue Care is available in all North Carolina counties, except: Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Orange, Person, and Wake.

More about Blue Care

How Blue Care works

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.

Staying in-network across North Carolina

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.

What it costs, and why

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.

Enrolling in Blue Care

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.

Blue Care questions (3)
Is Blue Care an HMO?

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.

Does Blue Care cover me if I need care while traveling?

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.

Which counties is Blue Care not available in?

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.

See the full Blue Care page →

Blue Local with Atrium Health

Charlotte / Piedmont · NC & SC

Regional
NetworkAtrium Health only (incl. Levine Children’s)
Out-of-area careEmergency / urgent only
Best forFamilies needing Levine Children’s or the Atrium cancer center
Plan details & availability ▾

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.

Highlights

  • Built around Atrium Health — 20 hospitals, 700+ locations (NC & SC)
  • Includes Levine and Brenner Children's Hospitals
  • Includes Atrium Wake Forest Baptist Comprehensive Cancer Center
  • Lower premium than broad-network Blue Cross NC plans
  • Single-system regional network (Atrium Health only in-network)
  • Offered in Bronze, Silver, and Gold tiers

A good fit if

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.

Not a good fit if

Poor fit if your regular doctors are with CaroMont Health, Cone Health, or Novant Health — all three are out-of-network.

Network type
Regional single-system
Out-of-network care
Emergency and urgent care only
Out-of-state care
Emergency and urgent care only

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

  1. 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.

  2. Atrium Health, atriumhealth.org/about-us/newsroom/news/atrium-health-earns-multiple-us-news-and-world-report-honors (Accessed September 2023).

  3. Atrium Health Wake Forest Baptist, www.wakehealth.edu/about-us (Accessed August 2022).

  4. Atrium Health, www.atriumhealth.org/about-us (Accessed August 2022).

  5. Atrium Health Wake Forest Baptist, www.wakehealth.edu/locations/facilities/comprehensive-cancer-center (Accessed September 2023).

  6. Atrium Health, https://2023yir.advocatehealth.org/ (Within the full report) (Accessed September 2024).

Availability

Blue Local with Atrium Health Availability Map

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.

More about Blue Local with Atrium Health

How Blue Local with Atrium Health works

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.

Inside the Atrium Health network

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.

What it costs, and why

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.

Enrolling in Blue Local with Atrium Health

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.

Blue Local with Atrium Health questions (3)
Does this plan cover care at Levine Children’s Hospital?

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.

Is Atrium Health Wake Forest Baptist’s cancer center included?

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.

What if I need to see a CaroMont, Cone, or Novant Health doctor?

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.

See the full Blue Local with Atrium Health page →

Blue Home with Cone Health

Guilford · Randolph · Rockingham

Regional
NetworkCone Health system only
Out-of-area careEmergency / urgent only
Best forPatients already using Cone Health providers
Plan details & availability ▾

Blue Home with Cone Health is a Blue Cross NC health plan built around Cone Health's provider network — one of the Piedmont Triad's largest and most comprehensive systems, with more than 150 locations including five hospitals, six ambulatory care centers, three outpatient surgery centers, 11 urgent care centers, and 120+ physician practices. Cone Health hospitals have been recognized by U.S. News & World Report as “High Performing” in key areas of care, and the system is ranked the top hospital network in the Greensboro/Winston-Salem metro area.

This is a single-system, regional plan: only Cone Health providers are in-network, which is what keeps the premium lower than broad-network plans. We recommend it when Cone Health is already your family's health system and you live in one of the three counties where it's offered.

Highlights

  • Built around Cone Health — 150+ locations and 5 hospitals
  • Lower premium than broad-network Blue Cross NC plans
  • Single-system regional network (Cone Health only in-network)
  • No coverage outside Cone Health except urgent and emergency care
  • Available only in Guilford, Randolph, and Rockingham counties
  • Offered in Bronze, Silver, and Gold tiers

A good fit if

This plan is a good fit if you already see Cone Health doctors and want a lower premium built around that network, live in Guilford, Randolph, or Rockingham County, and are comfortable committing to one coordinated health system in exchange for lower cost-sharing.

Not a good fit if

It's a poor fit if your regular doctors are with Atrium Health, Novant Health, or UNC Health — those systems are entirely out-of-network on this plan.

Network type
Regional single-system
Out-of-network care
Emergency and urgent care only
Out-of-state care
Emergency and urgent care only

Network

Regional network – Guilford · Randolph · Rockingham

  • Network: Cone Health system only.1, 2

  • Out-of-area care: Emergency / urgent only.

  • Offered in Bronze, Silver, and Gold tiers.

Notes

  1. Blue Cross and Blue Shield of North Carolina (Blue Cross NC) has collaborated with Cone Health to bring you Blue Home with Cone Health. Blue Home with Cone Health is a health insurance plan offered by Blue Cross NC that provides access to a limited network of providers. Cone Health is an independent company that is solely responsible for the physicians and medical facilities it owns and operates. Cone Health does not offer Blue Cross or Blue Shield products or services.

  2. About Cone Health. Cone Health. www.conehealth.com/news/news-search/2025-news-releases/trusted-for-what-matters-most-cone-health-excels-in-key-areas-of/ (Accessed August 2025).

Availability

Blue Home with Cone Health Availability Map

Blue Home with Cone Health is available on and off Marketplace to residents of these North Carolina counties: Guilford, Randolph, and Rockingham.

More about Blue Home with Cone Health

How Blue Home with Cone Health works

This plan is built entirely around one health system: Cone Health. In exchange for that narrower, single-system network, the premium runs lower than Blue Cross NC's broad-network plans. Only Cone Health providers are in-network — outside of emergency and urgent care, care from any other system isn't covered.

Inside the Cone Health network

Cone Health is the Piedmont Triad's largest and most comprehensive system, with more than 150 locations: five hospitals, six ambulatory care centers, three outpatient surgery centers, 11 urgent care centers, and 120+ physician practices. Its hospitals have been recognized by U.S. News & World Report as “High Performing” in key areas of care, and the system is ranked the top hospital network in the Greensboro/Winston-Salem metro area.

Because it's a single coordinated system, referrals, records, and specialist care tend to stay under one roof — a benefit for anyone managing an ongoing condition within that network.

What it costs, and why

The lower premium reflects the narrower network, not reduced benefits — Blue Home with Cone Health is offered in Bronze, Silver, and Gold tiers just like every other Blue Cross NC plan, and most applicants qualify for a premium tax credit based on income and household size.

This plan is only available in Guilford, Randolph, and Rockingham counties — if you live outside those three counties, it isn't an option regardless of which providers you use.

Enrolling in Blue Home with Cone Health

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 Cone 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.

Blue Home with Cone Health questions (3)
What happens if I need care outside the Cone Health network?

Non-emergency care outside Cone Health isn’t covered on this plan. Only emergency and urgent care are covered at the in-network rate regardless of provider, so this plan works best if Cone Health is already your health system.

Is Blue Home with Cone Health available outside Guilford, Randolph, and Rockingham counties?

No — it’s offered only in those three counties. If you live elsewhere, a different Blue Home or Blue Value plan may be a better fit. A Health Plans of NC agent can tell you which plans are available in your county.

Is Cone Health part of Blue Cross NC?

No. Cone Health is an independent company solely responsible for the physicians and facilities in this network; it does not offer Blue Cross or Blue Shield products. Blue Cross NC partners with Cone Health to offer this lower-premium plan design.

See the full Blue Home with Cone Health page →

Common questions about these plans (5)
What do the Bronze, Silver, and Gold plan tiers mean?

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.

How do I know if my doctors and hospitals are in-network?

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.

Will I qualify for financial help to lower my premium?

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.

When can I enroll in a Blue Cross NC individual plan?

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.

How much does it cost to use a Health Plans of NC agent?

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.

Available Plans From All Carriers

2026 ACA Marketplace Carriers in Randolph County

2026 ACA Marketplace Carriers in Randolph County
CarrierDistinct plans
Blue Cross and Blue Shield of NC30
Ambetter of North Carolina14
UnitedHealthcare13
Cigna Healthcare10
AmeriHealth Caritas Next8
Total75

Source: CMS QHP Landscape PY2026, Individual Market Medical, updated August 26, 2026 (data.healthcare.gov). Counts distinct Plan IDs offered on the Marketplace in Randolph County, once per carrier.

Find your most affordable health plan

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Randolph County

in North Carolina

Find affordable health insurance in Randolph County, NC with Health Plans of NC. Health Plans of NC helps residents of Randolph County find affordable health insurance coverage, from ACA Marketplace plans to employer-sponsored options available through major local employers like Toyota Battery Manufacturing and Atrium Health Randolph. Whether you are enrolling for the first time or comparing plans for 2026, licensed agents are available at no cost to guide you through every option.

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 Local with Atrium Health

EPO

Available in Randolph County

Blue Home with Cone Health

EPO

Available in Randolph County


What health insurance options are available in Randolph County?

Randolph County is home to 145,322 residents, a population that has grown 0.8 percent since 2020, with 6.1 percent of residents born outside the United States, reflecting a diverse community with varied health coverage needs. Major employers including Toyota Battery Manufacturing, Randolph County Schools, American Healthcare Systems, Technimark, and the County of Randolph provide a foundation for employer-sponsored coverage across the region. Atrium Health Randolph anchors the local healthcare delivery system, and residents can also access coverage through the ACA Marketplace, Medicaid, CHIP, short-term plans, COBRA, and small business SHOP plans depending on their employment and household situation.

  • ACA Marketplace plans are available to Randolph County residents who do not have access to qualifying employer coverage, connecting enrollees to providers within the Atrium Health Randolph network and nearby facilities.

  • Medicaid coverage is administered locally through the Randolph County Health Department, providing free or low-cost care for eligible low-income residents, children, pregnant women, and individuals with disabilities.

  • Employer-sponsored health insurance is offered by major Randolph County employers including Toyota Battery Manufacturing and Randolph County Schools, typically covering a share of monthly premiums for enrolled workers and their families.

  • Short-term health plans may serve Randolph County residents who are between jobs or waiting for employer coverage to begin, offering limited temporary protection while transitioning between coverage sources.

  • COBRA continuation coverage allows former employees of Randolph County employers such as Technimark or American Healthcare Systems to maintain their existing group plan for a limited period after leaving employment.

  • Small business SHOP Marketplace plans are available to small employers across Randolph County, allowing business owners to offer employees structured group coverage through Blue Cross NC and potentially qualify for tax credits.


What health insurance plans are available in Randolph County for 2026?

For 2026, Randolph County residents can choose from four Blue Cross NC plan networks, each offering a different combination of provider access, geographic coverage, and network structure across PPO plan types. Blue Advantage and Blue Care provide broad statewide and nationwide access, while Blue Local with Atrium Health and Blue Home with Cone Health offer regionally focused networks tied to specific health systems serving Randolph County. Selecting the right network is essential for ensuring that local providers, specialists, and facilities remain in-network without unexpected out-of-pocket costs.

  • Blue Advantage, a PPO plan, provides the largest nationwide network with more than 95 percent of North Carolina doctors in-network, giving Randolph County residents broad access to providers across the state and country.

  • Blue Care, an HMO plan, covers a broad statewide network with more than 95 percent of North Carolina doctors in-network, offering Randolph County enrollees strong in-state provider access at competitive coverage tiers.

  • Blue Local with Atrium Health, an EPO plan, is available in Randolph County and connects enrollees directly to the Atrium Health Randolph system and its affiliated providers throughout the region.

  • Blue Home with Cone Health, an EPO plan, is available in Randolph County and gives enrollees access to the Cone Health network of hospitals and clinics located across the greater Piedmont Triad area.

  • All four plan networks in Randolph County are structured as PPO plans, meaning enrollees generally do not need a referral to see a specialist and may have some out-of-network access, though in-network care will carry lower cost-sharing.

  • Randolph County residents who use behavioral health services, pediatric care, or specialty services should verify that their preferred providers are included in their chosen network before enrolling in a 2026 plan.


How much does health insurance cost in Randolph County?

Bronze plans in Randolph County start at approximately $491.92/month before subsidies. With a median household income of $59,047, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.

  • Bronze plans in Randolph County start at $491.92 per month before subsidies for a 35-year-old, offering the lowest monthly premiums with higher deductibles suited for residents who rarely use routine care.

  • Silver plans start at $644.87 per month before subsidies and are the only tier eligible for cost-sharing reductions, which can lower deductibles and copays significantly for qualifying Randolph County households.

  • Gold plans start at $669.68 per month before subsidies and offer lower out-of-pocket costs throughout the year, making them a strong option for residents who use healthcare services regularly.

  • Randolph County residents with a household income near the county median of $59,047 will likely qualify for premium tax credits that reduce monthly costs across Bronze, Silver, and Gold plan tiers.

  • Residents earning up to 150 percent of the federal poverty level may qualify for enhanced ACA subsidies, potentially reducing their monthly Silver plan premium to zero dollars after the tax credit is applied.

  • Cost-sharing reduction plans are available on the Silver tier to income-qualifying Randolph County enrollees, significantly lowering deductibles and out-of-pocket maximums beyond what the base Silver premium reflects.


Which health insurance companies offer ACA Marketplace plans in Randolph County for 2026?

Blue Cross NC is one of five ACA Marketplace carriers offering individual and family health insurance plans in Randolph County for 2026, with 30 total plans available across multiple coverage tiers and network structures. These plans are offered through four networks: Blue Advantage, Blue Care, Blue Local with Atrium Health, and Blue Home with Cone Health, each connecting enrollees to a different configuration of hospitals, clinics, and specialty providers. Blue Local with Atrium Health links Randolph County residents to the Atrium Health Randolph system, while Blue Home with Cone Health connects enrollees to Cone Health facilities in the broader Piedmont Triad region. Choosing between these networks determines which local providers, specialists, and facilities are available in-network, making the network selection as important as the coverage tier for most Randolph County households. Health Plans of NC compares every Blue Cross NC plan side by side at no cost, helping residents identify the plan that best fits their provider relationships, coverage needs, and household budget.

  • Blue Cross NC: one of five ACA Marketplace carriers in Randolph County for 2026, offering 30 individual and family plans across Bronze, Silver, Gold, and Catastrophic tiers through four distinct plan networks.


Who qualifies for Medicaid and CHIP in Randolph County, North Carolina?

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, and Randolph County residents who were previously uninsured may now qualify for full Medicaid benefits. Randolph County currently has an uninsured rate of 12.4 percent, representing approximately 18,000 residents without coverage, many of whom may be eligible for Medicaid or CHIP but have not yet enrolled. 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 or no cost. Health Plans of NC can conduct a free eligibility check for any Randolph County resident who wants to determine whether they or a family member qualifies for Medicaid or CHIP before exploring Marketplace alternatives.

  • Working adults in Randolph County who earn at or below 138 percent of the federal poverty level and are not covered through an employer may now qualify for expanded Medicaid following North Carolina's December 2023 expansion.

  • Children in Randolph County whose family income falls at or below 210 percent of the federal poverty level may be eligible for NC Health Choice, which covers doctor visits, dental care, vision, and hospitalizations.

  • Pregnant women in Randolph County are eligible for Medicaid coverage that includes prenatal visits, labor and delivery, and postpartum care, with income thresholds that are higher than those for non-pregnant adults.

  • Randolph County's poverty rate of 14.8 percent means a meaningful share of county residents may qualify for Medicaid, particularly those whose incomes fall below or near the federal poverty level threshold.

  • Individuals with qualifying disabilities in Randolph County may be eligible for Medicaid regardless of age, covering a broad range of services including behavioral health, long-term care, and specialty medical visits.


Get free help choosing a health plan in Randolph County

Health Plans of NC licensed agents serve Randolph County residents at no cost, comparing every available 2026 plan side by side to help you find the right coverage for your providers, your budget, and your household. Call 800-797-0327 today to speak with an agent who can walk you through enrollment, subsidy eligibility, and all available plan options in Randolph County.


What hospitals are in Randolph County?

Hospital

Address

Phone

Chatham Hospital

475 Progress Blvd, Siler City, NC 27344

(919) 799-4000

Cone Health Alamance Regl Med

1240 Huffman Mill Rd, Burlington, NC 27215

(336) 538-7000

Cone Health Annie Penn Hosp

618 S Main St, Reidsville, NC 27320

(336) 951-4000

Cone Health Behavioral Health

700 Walter Reed Dr, Greensboro, NC 27403

(336) 832-9700

Cone Health Medcenter High Pnt

2630 Willard Dairy Rd, High Point, NC 27265

(336) 884-3777

Cone Health Moses Cone Hosp

1121 N Church St, Greensboro, NC 27401

(336) 832-7000

Cone Health Wesley Long Hosp

2400 W Friendly Ave, Greensboro, NC 27403

(336) 832-1000

Cone Health Women's-Children's

1121 N Church St, Greensboro, NC 27401

(336) 832-6500

Duke Children's Hosp & Health

2301 Erwin Rd, Durham, NC 27705

(919) 668-4000

Duke Regional Hospital

3643 N Roxboro St, Durham, NC 27704

(919) 470-4000

Duke University Hospital

2301 Erwin Rd, Durham, NC 27705

(919) 684-8111

Durham VA Medical Ctr

508 Fulton St, Durham, NC 27705

(919) 286-0411

High Point Medical Ctr

601 N Elm St, High Point, NC 27262

(336) 878-6000

Kindred Healthcare

2401 S Side Blvd, Greensboro, NC 27406

(336) 604-2300

Lenox Baker Children's Hosp

3000 Erwin Rd, Durham, NC 27705

(919) 684-6669

North Carolina Specialty Hosp

3916 Ben Franklin Blvd, Durham, NC 27704

(919) 956-9300

Person Memorial Hospital

615 Ridge Rd, Roxboro, NC 27573

(336) 599-2121

Randolph Health

364 White Oak St, Asheboro, NC 27203

(336) 625-5151

Randolph Hospital

364 White Oak St, Asheboro, NC 27203

(336) 625-5151

Select Specialty Hosp-Durham

3643 N Roxboro St # 6, Durham, NC 27704

(984) 569-4040

Select Specialty Hosp-Grnsbr

1200 N Elm St # 5, Greensboro, NC 27401

(336) 832-5700

UNC Hospitals

101 Manning Dr, Chapel Hill, NC 27514

(984) 974-1000

UNC Rockingham Health Care

117 E Kings Hwy, Eden, NC 27288

(336) 623-9711


What clinics are in Randolph County?

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


Randolph County — FAQ Under 65

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Randolph County ZIP Codes include: 27203, 27204, 27205, 27230, 27233, 27248, 27263, 27298, 27316, 27317, 27341, 27350, 27355, and 27370

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