Find Your Most Affordable Health Insurance Plan in Stokes County
in North Carolina
Stokes County residents can compare 17 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 Stokes County, NC with Health Plans of NC. Health Plans of NC helps residents of Stokes County find and enroll in the right health insurance plan for 2026, whether through the ACA Marketplace, Medicaid, or employer-sponsored coverage. With major employers like Wieland Copper Products and Stokes County Schools providing a range of employment situations across the county, having a trusted local resource to compare options makes a real difference for Stokes County families.
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 Stokes County |
Blue Home with Novant Health | PPO | Available in Stokes County |
Stokes County is home to 44,889 residents, reflecting steady population growth of 0.8 percent since 2020, with 1.8 percent of residents being foreign-born, a group that may face unique challenges navigating coverage options. Workers at major local employers including Stokes County Schools, the County of Stokes, Walmart, Wieland Copper Products, and Food Lion may have access to employer-sponsored plans, while others can turn to ACA Marketplace plans or Medicaid through Health Plans of NC. The county is served by key health systems including Atrium Health Wake Forest Baptist and Stokes Reynolds Memorial, making it important for residents to select a plan with strong local provider access.
ACA Marketplace coverage is available to Stokes County residents who work for employers like Food Lion or Walmart where workplace coverage may be limited or unaffordable, giving individuals and families a reliable alternative.
Medicaid provides no-cost or very low-cost coverage to eligible low-income Stokes County residents, including workers at smaller local businesses who do not have access to employer-sponsored insurance.
Employer-sponsored health insurance is a common option for full-time employees at Stokes County Schools, the County of Stokes, and Wieland Copper Products, often covering a significant share of monthly premium costs.
Short-term health plans may offer a temporary bridge for Stokes County residents between jobs or waiting for coverage to begin at a new employer, though these plans do not meet ACA minimum essential coverage standards.
COBRA continuation coverage allows former employees of Stokes County employers to maintain their existing health plan after leaving a job, providing continuity of access to providers at Stokes Reynolds Memorial and other local facilities.
Small business SHOP plans through the ACA Marketplace are available to small employers in Stokes County, helping local business owners offer competitive health benefits to attract and retain workers in the county.
For 2026, Stokes County residents can choose from four Blue Cross NC plan networks, each structured as a PPO and offering different levels of provider access across the region. The available networks include Blue Advantage, Blue Care, Blue Local with Atrium Health, and Blue Home with Novant Health, giving shoppers meaningful flexibility in how they access hospitals and specialists in and around Stokes County. Health Plans of NC helps residents compare each network side-by-side to ensure the plan they choose connects them to the providers and facilities they rely on most.
Blue Advantage, a PPO, offers the largest nationwide network with more than 95 percent of North Carolina doctors in-network, giving Stokes County residents broad access to local and regional providers.
Blue Care, a PPO, provides a broad statewide network covering more than 92 percent of North Carolina doctors in-network, making it a strong option for residents who see providers across the Piedmont region.
Blue Local with Atrium Health, a PPO, is available in Stokes County and connects members to Atrium Health Wake Forest Baptist, a key regional health system serving Stokes County residents in Winston-Salem.
Blue Home with Novant Health, a PPO, is available in Stokes County and provides access to Novant Health Forsyth Medical Center and other Novant Health facilities that serve residents throughout the area.
All four networks are PPO plans, meaning Stokes County members generally have flexibility to see specialists and access facilities like LifeBrite Community Hospital in Danbury without a referral requirement.
Choosing the right network matters for Stokes County residents who regularly use both the local Stokes Reynolds Memorial facility and larger Winston-Salem medical centers, as network tiers determine in-network cost levels at each location.
Bronze plans in Stokes County start at approximately $403.47/month before subsidies. With a median household income of $60,039, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Stokes County start at $403.47 per month before subsidies for a 35-year-old, offering the lowest monthly premiums with higher deductibles for those who want protection against major medical costs.
Silver plans start at $518.72 per month before subsidies and are the only tier eligible for cost-sharing reductions, which lower deductibles and out-of-pocket costs for qualifying income levels.
Gold plans start at $536.24 per month before subsidies and offer lower deductibles and out-of-pocket maximums, making them a strong fit for residents who use healthcare services regularly throughout the year.
Stokes County residents with household incomes between 100 and 400 percent of the federal poverty level qualify for ACA premium tax credits that can bring monthly costs well below the published starting prices.
Households earning between 100 and 150 percent of the federal poverty level may qualify for enhanced subsidies that make certain Silver plans available for zero dollars per month in premiums.
Selecting the right deductible tier relative to the county median income of $60,039 is important for working families balancing monthly premium costs against potential out-of-pocket expenses at local hospitals and clinics.
Blue Cross NC is the sole ACA Marketplace carrier offering plans in Stokes County for 2026, with a total of 17 plans available across multiple coverage tiers and network options. The four available plan networks are Blue Advantage, Blue Care, Blue Local with Atrium Health, and Blue Home with Novant Health, all structured as PPO plans that give members flexibility in accessing care without referrals. Blue Local with Atrium Health connects Stokes County members to the Atrium Health Wake Forest Baptist system in Winston-Salem, while Blue Home with Novant Health provides access to Novant Health Forsyth Medical Center and related facilities. The network a resident selects directly determines which local providers at Stokes Reynolds Memorial, LifeBrite Community Hospital in Danbury, and Northern Regional Hospital in Mount Airy are covered at in-network cost levels. Health Plans of NC licensed agents compare all 17 Blue Cross NC plans side-by-side at no cost, helping Stokes County residents identify the best combination of network, tier, and monthly cost for their situation.
Blue Cross NC, offering 17 PPO plans for 2026 across Bronze, Silver, Gold, and Catastrophic tiers in Stokes County, available through the Blue Advantage, Blue Care, Blue Local with Atrium Health, and Blue Home with Novant Health networks.
North Carolina expanded Medicaid in December 2023, extending free or very low-cost coverage to adults in Stokes County earning up to 138 percent of the federal poverty level. Currently 8.6 percent of Stokes County residents, approximately 4,000 people, are uninsured, and many of these individuals may now qualify for Medicaid or subsidized marketplace coverage. Children in Stokes County 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 offers free eligibility checks so Stokes County residents can quickly find out whether they qualify for Medicaid, CHIP, or a subsidized marketplace plan.
Working adults in Stokes County whose jobs do not offer affordable employer coverage may qualify for Medicaid if their household income falls at or below 138 percent of the federal poverty level.
Children in Stokes County families are eligible for NC Health Choice, the state CHIP program, providing low-cost or no-cost coverage for routine care, dental, and vision services up to 210 percent of the federal poverty level.
Pregnant women in Stokes County are eligible for Medicaid coverage at higher income thresholds than the standard adult limit, ensuring access to prenatal and delivery care at local and regional facilities.
Stokes County has a poverty rate of 12.0 percent, meaning a meaningful share of county residents may qualify for Medicaid or near-zero premium marketplace plans depending on household size and income.
People with disabilities in Stokes County may qualify for Medicaid through separate eligibility pathways, including those who receive Supplemental Security Income or have specific qualifying medical conditions.
Health Plans of NC licensed agents serve Stokes County residents at no cost, comparing every available 2026 plan side-by-side to help you find the right coverage for your budget and healthcare needs. Call 800-797-0327 today to get a free personalized quote, check your subsidy eligibility, and enroll in a plan that works for you and 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 Stokes 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 |
|---|---|---|
Alleghany Memorial Hospital | 233 Doctors St, Sparta, NC 28675 | (336) 372-5511 |
Ashe Memorial Hospital | 200 Hospital Ave, Jefferson, NC 28640 | (336) 846-7101 |
Atrium Health Wake Forest Bapt | 1 Medical Center Blvd, Winston Salem, NC 27157 | (336) 713-4500 |
Atrium Health Wake Forest Bapt | 1 Medical Center Blvd, Winston Salem, NC 27157 | (336) 716-2011 |
Atrium Health Wake Forest Bapt | 1370 W D St, North Wilkesboro, NC 28659 | (336) 651-8100 |
Atrium Health Wake Forest Bapt | Medical Center Blvd, Winston Salem, NC 27157 | (336) 716-2011 |
Atrium Health Wake Forrest | 250 Hospital Dr, Lexington, NC 27292 | (336) 248-5161 |
Davie Medical Ctr | 329 NC Highway 801 N, Bermuda Run, NC 27006 | (336) 998-1300 |
Hugh Chatham Memorial Hospital | 180 Parkwood Dr, Elkin, NC 28621 | (336) 527-7000 |
Lifebrite Community Hosp-Stks | 1570 NC 8 And 89 Hwy N, Danbury, NC 27016 | (336) 593-2831 |
Northern Regional Hospital | 830 Rockford St, Mount Airy, NC 27030 | (336) 719-7000 |
Novant Health Forsyth Med Ctr | 3333 Silas Creek Pkwy, Winston Salem, NC 27103 | (336) 718-5000 |
Novant Health Kernersville Med | 1750 Kernersville Medical Pkwy, Kernersville, NC 27284 | (336) 564-4000 |
Novant Health Med Park Hosp | 1950 S Hawthorne Rd, Winston Salem, NC 27103 | (336) 718-0785 |
Novant Health Rehab Hosp An | 2475 Hillcrest Center Cir, Winston Salem, NC 27103 | (336) 754-3500 |
Novant Health Thomasville Med | 207 Old Lexington Rd, Thomasville, NC 27360 | (336) 472-2000 |
Old Vineyard Behavioral Health | 3637 Old Vineyard Rd, Winston Salem, NC 27104 | (336) 794-3550 |
Stokes Reynolds Meml Hosp Inc | , Danbury, NC 27016 | (336) 593-5356 |
Watauga Medical Ctr | 336 Deerfield Rd, Boone, NC 28607 | (828) 262-4100 |
Clinic | Address | Phone |
|---|---|---|
Appalachian Regional | 194 Doctors Dr, Boone, NC 28607 | (828) 386-2663 |
Appalachian Regional | 200 Hospital Ave # 6, Jefferson, NC 28640 | (828) 386-2663 |
Atrium Health Wake Forest Bapt | 10 Medical Park Dr # 1, Lexington, NC 27292 | (336) 716-9253 |
Bethany Medical Ctr | 1908 Caudle Dr # 100, Mount Airy, NC 27030 | (336) 883-0029 |
Boone Urology Ctr | 400 Shadowline Dr # 103-104, Boone, NC 28607 | (828) 264-5150 |
Cone Health Medcenter Krnrsvll | 1635 N Carolina Highway 66 S, Kernersville, NC 27284 | (336) 992-5100 |
Cone Health Medcenter Krnrsvll | 1635 NC 66 S, Kernersville, NC 27284 | (336) 992-5100 |
Cone Health Outpatient Rehab | 1635 N Carolina 66 # 255, Kernersville, NC 27284 | (336) 992-4820 |
Department Of Emergency Med | Medical Center Blvd, Winston Salem, NC 27157 | (336) 716-4625 |
Harmony Center For Women | 381 Deerfield Rd, Boone, NC 28607 | (828) 268-8970 |
Hoots Memorial Hospital | , Yadkinville, NC 27055 | (336) 679-6728 |
Lexington Medical Ctr | 811 W Main St, Lexington, NC 27293 | (803) 936-7203 |
Lung Center | 870 State Farm Rd # 100, Boone, NC 28607 | (828) 386-2746 |
Novant Health Bariatric Sltns | 760 Highland Oaks Dr # 200, Winston Salem, NC 27103 | (336) 277-4380 |
Novant Health Ortho-Sports | 7138 Village Medical Cir, Clemmons, NC 27012 | (336) 893-2400 |
Sneak-A-Peek | 2501 Neudorf Rd, Clemmons, NC 27012 | (336) 247-5141 |
Thomasville Medical Ctr | 6233 Denton Rd, Thomasville, NC 27360 | (336) 476-2537 |
Wake Forest Bapt Health Davie | 329 N Carolina Highway 801 N, Bermuda Run, NC 27006 | (336) 998-1300 |
Watauga Medical Ctr Outpatient | 1200 State Farm Rd, Boone, NC 28607 | (828) 262-4153 |
WFU Baptist Medical Ctr | Medical Center Blvd, Winston Salem, NC 27157 | (336) 713-7700 |
WFU Baptist Medical Ctr | Orthopaedic Surgery, Winston Salem, NC 27157 | (336) 716-2093 |
WFUBMC | 1450 Professional Park Dr, Winston Salem, NC 27103 | (336) 659-2701 |
Wilkes Regional Med Ctr Axlry | 500 Courthouse Dr, Wilkesboro, NC 28697 | (336) 651-8100 |
Wilkes Regional Medical Ctr | 1370 W D St, North Wilkesboro, NC 28659 | (336) 651-8100 |
Stokes County ZIP Codes include: 27016, 27019, 27021, 27022, 27042, 27043, 27046, 27052, and 27053
