Find Your Most Affordable Health Insurance Plan in Rowan County
in North Carolina
Rowan County residents can compare 12 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 Home with Novant Health is a good option if you wish to get care from Novant Health’s provider network and its affiliated doctors and hospitals. Since the majority of doctors in this plan are in the same network, it’s easier for them to work together on your behalf.
Novant Health’s network of hospitals, doctors and affiliated providers including over 2,000 physicians.2
A provider network that includes more than 850 locations, including Novant Health’s not-for-profit integrated system of 19 medical centers.2
All doctors outside the Novant Health provider network are considered out-of-network and not covered for Blue Home with Novant Health. 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.
Notes
Blue Cross NC has collaborated with Novant Health to bring you Blue Home with Novant Health. Blue Home with Novant Health is a health insurance plan offered by Blue Cross NC that provides access to a limited network of providers. Novant Health is an independent company that is solely responsible for the physicians and medical facilities it owns and operates. Novant Health does not offer Blue Cross or Blue Shield products or services.
Novant Health, www.novanthealth.org/home/about-us/company-information.aspx (Accessed August 2024).
Blue Home with Novant Health is available on and off Marketplace to residents of these North Carolina counties: Cabarrus, Davidson, Forsyth, Mecklenburg, Rowan, Stokes, Union, and Yadkin.
Blue Local with Atrium Health is a good option if you wish to get care from Atrium Health and its affiliated doctors and hospitals. Since the majority of doctors in this plan are in the same health care system, it’s easier for them to work together on your behalf.
A provider network that includes: Atrium Health Carolinas Medical Center – named “Best Hospital” in the Charlotte metro region.2
Atrium Health Wake Forest Baptist (pre-eminent academic health system).3
Two children’s hospitals: Levine Children’s Hospital (nationally ranked in eight specialties)4 and Brenner Children’s Hospital.
Atrium Health Wake Forest Baptist Comprehensive Cancer Center – one of only three comprehensive cancer centers in North Carolina.5
26 hospitals and more than 650 care locations in NC and SC.6
All doctors outside the Atrium Health provider network are considered out-of-network and not covered for Blue Local with Atrium Health, including: CaroMont Health, Cone Health, Novant Health and their affiliated providers. 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.
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.
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 Rowan County, NC with Health Plans of NC. Health Plans of NC helps residents of Rowan County, NC compare and enroll in health insurance plans, connecting families and individuals with coverage through local providers like Novant Health Rowan Medical Center 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 |
Blue Local with Atrium Health | PPO | Available in Rowan County |
Blue Home with Novant Health | PPO | Available in Rowan County |
Rowan County is home to 148,487 residents, with a population that has grown 1.1 percent since 2020, and 6.0 percent of residents are foreign-born, reflecting a community with diverse healthcare needs and coverage pathways. Major employers like Daimler Trucks North America, Food Lion Distribution, Rowan-Salisbury Schools, the Veterans Administration, and Novant Health Rowan Medical Center each represent different employment situations that shape how residents access coverage. Whether through an employer, the ACA Marketplace, Medicaid, or other options, Rowan County residents have multiple routes to securing health coverage that connects them to local health systems including Novant Health and Atrium Health.
ACA Marketplace plans are available to Rowan County residents who are self-employed, work part-time, or whose employer such as a small local business does not offer group coverage.
Medicaid coverage is available to eligible low-income Rowan County residents, including those who work for smaller employers without benefits and are served by the Rowan County Health Department.
Employer-sponsored coverage is a primary option for employees of major Rowan County employers such as Daimler Trucks North America, Rowan-Salisbury Schools, and Novant Health Rowan Medical Center.
COBRA continuation coverage allows Rowan County residents who have recently left employment with employers like Food Lion Distribution or the Veterans Administration to temporarily maintain their existing group plan.
Short-term health plans may provide a bridge for Rowan County residents between jobs or waiting for open enrollment, though they do not meet ACA minimum essential coverage standards.
Small business SHOP Marketplace plans are an option for Rowan County small business owners who want to offer group coverage to employees and access potential tax credits for doing so.
For 2026, Blue Cross NC offers 12 plans in Rowan County across four distinct plan networks, each designed to connect enrollees with different configurations of local hospitals and physician groups. The available networks include Blue Advantage, Blue Care, Blue Local with Atrium Health, and Blue Home with Novant Health, giving residents the ability to choose a network aligned with their preferred providers. Plan types across these networks include PPO options that offer varying degrees of flexibility in accessing Rowan County providers such as Novant Health Rowan Medical Center and Atrium Health facilities in the region.
Blue Advantage, offered as a PPO, provides the largest nationwide network with more than 95 percent of North Carolina doctors in-network, making it a strong fit for Rowan County residents who travel or see specialists across the state.
Blue Care, offered as a PPO, provides a broad statewide network with more than 92 percent of North Carolina doctors in-network, giving Rowan County residents wide access to regional hospitals and physicians.
Blue Local with Atrium Health, offered as a PPO, is available in Rowan County and connects enrollees to Atrium Health facilities including Atrium Health Stanly and other regional Atrium Health hospitals.
Blue Home with Novant Health, offered as a PPO, is available in Rowan County and is designed for residents who prefer care at Novant Health Rowan Medical Center at 612 Mocksville Ave in Salisbury and affiliated Novant Health providers.
Rowan County residents should review which network includes their current primary care physician or specialist before enrolling, as network choice directly affects in-network access at local facilities.
Health Plans of NC agents can walk Rowan County residents through each of the four networks side by side to confirm that preferred providers are covered before finalizing plan selection.
Bronze plans in Rowan County start at approximately $563.81/month before subsidies. With a median household income of $63,196, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Rowan County start at $563.81 per month before subsidies for a 35-year-old, offering the lowest premiums with higher deductibles for those who want catastrophic-level protection.
Silver plans start at $724.63 per month before subsidies and are the only tier eligible for cost-sharing reductions, which lower deductibles and copays for qualifying Rowan County enrollees.
Gold plans start at $749.33 per month before subsidies and offer lower out-of-pocket costs throughout the year, making them well suited for residents with frequent medical needs.
Rowan County residents with household incomes near the county median of $63,196 should calculate their subsidy eligibility before assuming ACA coverage is unaffordable.
Households earning between 100 and 150 percent of the federal poverty level may qualify for a $0-premium Silver plan through enhanced ACA subsidies currently in effect.
Health Plans of NC provides free personalized quotes with exact subsidy calculations so Rowan County residents can see their actual net monthly premium before enrolling.
For 2026, Blue Cross NC is the sole carrier offering individual and family ACA Marketplace plans in Rowan County, with 12 plans available across four plan networks. Those networks, Blue Advantage, Blue Care, Blue Local with Atrium Health, and Blue Home with Novant Health, provide PPO plan structures that connect enrollees to providers across Rowan County and the broader region. Blue Home with Novant Health is specifically designed to align with care at Novant Health Rowan Medical Center and affiliated providers, while Blue Local with Atrium Health connects residents to the Atrium Health system including regional facilities like Atrium Health Stanly. Network selection is a critical decision because receiving care at an out-of-network facility in Rowan County, such as the WG Hefner VA Medical Center on Brenner Ave in Salisbury, can result in significantly higher out-of-pocket costs depending on the plan chosen. Health Plans of NC agents compare all 12 Blue Cross NC plans side by side at no cost to help Rowan County residents identify the plan and network that keeps their preferred doctors and hospitals in-network.
Blue Cross NC, offering PPO plans across four networks, with 12 individual and family plans available in Rowan County for 2026.
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, a change that opened eligibility to thousands of previously uninsured Rowan County residents. Currently, 10.2 percent of Rowan County residents are uninsured, representing approximately 15,000 people, many of whom 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, providing low-cost coverage for pediatric care. Health Plans of NC offers free eligibility checks to help Rowan County residents determine whether they qualify for Medicaid, CHIP, or a subsidized Marketplace plan.
Working adults in Rowan County who earn low wages and lack employer coverage may now qualify for full Medicaid benefits under North Carolina's December 2023 expansion.
Children in Rowan County whose families earn too much for Medicaid but still face financial hardship may qualify for NC Health Choice, which covers pediatric visits, dental, and vision care.
Pregnant women in Rowan County are eligible for Medicaid coverage that includes prenatal care, labor and delivery, and postpartum services through programs supported by the Rowan County Health Department.
With a poverty rate of 15.8 percent in Rowan County, a meaningful share of households may qualify for $0-premium or near-$0 premium Medicaid coverage and should check their eligibility without delay.
Rowan County residents with disabilities who have low incomes may qualify for Medicaid regardless of age, providing access to long-term services, home care, and specialty medical coverage.
Health Plans of NC licensed agents serve Rowan County residents at no cost, comparing every available 2026 plan side by side to find the right fit for your budget and healthcare needs. Call 800-797-0327 today to get a free personalized quote, check your subsidy eligibility, or enroll in a plan that connects you to local providers.
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 Rowan 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 Cabarrus | 920 Church St N, Concord, NC 28025 | (704) 403-3000 |
Atrium Health Cleveland | 201 E Grover St, Shelby, NC 28150 | (980) 487-3000 |
Atrium Health Kings Mountain | 706 W King St, Kings Mountain, NC 28086 | (980) 487-5000 |
Atrium Health Lincoln | 433 Mcalister Rd, Lincolnton, NC 28092 | (980) 212-2000 |
Atrium Health Pineville | 10628 Park Rd, Charlotte, NC 28210 | (704) 667-1000 |
Atrium Health Stanly | 301 Yadkin St, Albemarle, NC 28001 | (704) 984-4000 |
Atrium Health Union West Hosp | 1000 Healing Way, Matthews, NC 28104 | (800) 821-1535 |
Atrium Health Union | 600 Hospital Dr, Monroe, NC 28112 | (980) 993-3100 |
Atrium Health University City | 8800 N Tryon St, Charlotte, NC 28262 | (704) 863-6000 |
Atrium Health Waxhaw | 2700 Providence Rd S, Waxhaw, NC 28173 | (704) 667-6800 |
Atrium Health's Carolinas Med | 1000 Blythe Blvd, Charlotte, NC 28203 | (704) 355-2000 |
Carolinas Continue Care Hosp | 10648 Park Rd, Charlotte, NC 28210 | (704) 667-8050 |
Carolinas Continuecare Hosp | 8800 N Tryon St # 4, Charlotte, NC 28262 | (704) 863-8300 |
Carolinas Healthcare Syst | 501 Billingsley Rd, Charlotte, NC 28211 | (704) 444-2400 |
Carolinas Rehabilitation | 1100 Blythe Blvd, Charlotte, NC 28203 | (704) 355-4300 |
Caromont Regional Medical Ctr | 2525 Court Dr, Gastonia, NC 28054 | (704) 834-2000 |
Catawba Valley Medical Ctr | 810 Fairgrove Church Rd, Hickory, NC 28602 | (828) 326-3000 |
Davis Regional Medical Ctr | 218 Old Mocksville Rd, Statesville, NC 28625 | (704) 873-0281 |
Frye Regional Medical Ctr | 420 N Center St # 20, Hickory, NC 28601 | (828) 315-5000 |
Iredell Memorial Hospital | 557 Brookdale Dr, Statesville, NC 28677 | (704) 873-5661 |
Jeff Gordon Children's Ctr | 920 Church St N, Concord, NC 28025 | (704) 403-3000 |
Lake Norman Regional Med Ctr | 171 Fairview Rd, Mooresville, NC 28117 | (704) 660-4000 |
Levine Children's Hospital | 1000 Blythe Blvd, Charlotte, NC 28203 | (704) 381-2000 |
Novant Health Charlotte Ortho | 1901 Randolph Rd, Charlotte, NC 28207 | (704) 316-2000 |
Novant Health Hemby Children's | 200 Hawthorne Ln, Charlotte, NC 28204 | (704) 384-4021 |
Novant Health Huntersville Med | 10030 Gilead Rd, Huntersville, NC 28078 | (704) 316-4000 |
Novant Health Matthews Med Ctr | 1500 Matthews Township Pkwy, Matthews, NC 28105 | (704) 384-6500 |
Novant Health Mint Hl Med Ctr | 8201 Healthcare Loop, Charlotte, NC 28215 | (980) 302-1000 |
Novant Health Presbyterian Med | 200 Hawthorne Ln, Charlotte, NC 28204 | (704) 384-4000 |
Novant Health Rowan Med Ctr | 612 Mocksville Ave, Salisbury, NC 28144 | (704) 210-5000 |
WG Hefner Salisbury Dept | 1601 Brenner Ave, Salisbury, NC 28144 | (704) 638-9000 |
Rowan County ZIP Codes include: 27013, 27054, 28023, 28039, 28041, 28071, 28072, 28088, 28125, 28138, 28144, 28145, 28146, 28147, and 28159
