Find Your Most Affordable Health Insurance Plan in Surry County
in North Carolina
Surry County residents can compare 15 health insurance options for 2026.
Blue Value is a good fit if you are flexible about which doctors you see – or if your doctor or hospital is part of this smaller network. The network is statewide, making it easy to get in-network care if you travel or have a child away at college within North Carolina.
Limited statewide network for savings
Network includes, but is not limited to, Atrium Health Wake Forest Baptist, CaroMont Health, Duke LifePoint Healthcare, Novant Health and UNC Health Alliance.
The following doctor/hospital networks are considered out-of-network for Blue Value: Atrium Health (not including Atrium Health Wake Forest Baptist), Duke Health and WakeMed. Out-of-state providers are also out-of-network. 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 covered services will be covered at the out-of-network benefit level.
Blue Value is available on and off Marketplace to residents of these North Carolina counties: Alexander, Brunswick, Burke, Caldwell, Catawba, Cleveland, Columbus, Duplin, Gaston, Iredell, Lincoln, New Hanover, Onslow, Pender, and Surry.
Blue Advantage gives you access to our largest nationwide network. This is a good option if you want a broad choice of in-network doctors, specialists and hospitals.
More in-network providers in North Carolina, with over 95% of doctors and 98% of hospitals in-network1
Fewer restrictions on which providers you can see
Nationwide access to in-network providers through BlueCard®2
Emergency services covered at the in-network benefit level regardless of where you go for care
Notes
Blue Cross NC Provider Internal Data; percentages indicated represent the Blue Cross NC PPO Network as of April 7, 2025.
Covered in nearly 200 countries and territories worldwide through the Blue Cross and Blue Shield Association BlueCard program. www.geo-blue.com/ (Accessed March 2025). BlueCard coverage varies for each Blue Cross and Blue Shield plan. For more complete details, including benefits, limitations, and exclusions, please refer to your certificate of coverage.
Blue Advantage is available on and off Marketplace to residents in all North Carolina counties EXCEPT the following, where it is available only off Marketplace: Alamance, Anson, Cabarrus, Caswell, Chatham, Cleveland, Davidson, Davie, Durham, Forsyth, Franklin, Gaston, Johnston, Lee, Lincoln, Mecklenburg, Orange, Person, Rowan, Stanly, Stokes, Surry, Union, Wake, and Yadkin.
Blue Care gives you access to our largest statewide network. This is a good option if you want a broad choice of in-network doctors, specialists and hospitals.
More than 92% of doctors and 97% of hospitals in North Carolina are in-network.1
All doctors outside the Blue Care provider network are considered out-of-network and not covered. Out-of-network benefit coverage is not available except for emergency services, urgent care and for medically necessary covered services when an in-network provider is not reasonably available per the access to care standards of Blue Cross and Blue Shield of North Carolina (Blue Cross NC).
Out-of-state providers are also out-of-network and not covered. When traveling outside of North Carolina or the United States, only emergency services and urgent care will be covered at the in-network benefit level. All other non-emergency services will be out-of-network and not covered.
Blue Care is available in all North Carolina counties, except: Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Orange, Person, and Wake.
in North Carolina
Find affordable health insurance in Surry County, NC with Health Plans of NC. Health Plans of NC helps residents of Surry County, NC find and compare health insurance coverage at no cost, connecting locals employed by major area employers like Pike Electric and Northern Hospital of Surry County to the right plan for their needs and budget.
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 Value | HMO | Value-focused HMO with lower premiums |
Surry County's 71,407 residents, a population that has grown 0.1% since 2020, have access to a full range of health coverage options including ACA Marketplace plans, Medicaid, employer-sponsored insurance, and Medicare. With 5.9% of residents being foreign-born and major employers like Pike Electric, Surry County Schools, Wayne Farms, the County of Surry, and Northern Hospital of Surry County driving local employment, coverage needs vary widely across households. Health systems including Northern Regional Hospital and Atrium Health anchor the local provider landscape, making the choice of network type especially important for Surry County residents.
ACA Marketplace coverage through Blue Cross NC is available to Surry County individuals and families who do not receive insurance through an employer or government program.
Medicaid coverage is available to eligible low-income Surry County residents, with services accessible through local providers connected to Northern Regional Hospital and Surry County Health Department clinics.
Employer-sponsored health insurance is offered to workers at major Surry County employers including Surry County Schools, Pike Electric, and Wayne Farms, covering employees and their dependents.
COBRA continuation coverage allows Surry County residents who have recently left jobs at employers like the County of Surry or Northern Hospital of Surry County to temporarily maintain their existing group health plan.
Small business SHOP coverage is available to small business owners operating in Surry County who want to offer group health benefits to their employees through structured marketplace options.
Short-term health plans may serve Surry County residents experiencing coverage gaps between jobs or life transitions, providing temporary protection while longer-term coverage is arranged.
For 2026, Surry County residents can choose from plans across three Blue Cross NC networks, Blue Advantage, Blue Care, and Blue Value, each offering different levels of provider access and cost structures. Blue Advantage and Blue Care are PPO plans that give residents flexibility to access care at facilities like Northern Regional Hospital in Mount Airy, Hugh Chatham Memorial Hospital in Elkin, and Atrium Health Wake Forest Baptist in Winston-Salem, while Blue Value is an HMO plan with a more focused network designed to deliver lower premiums. Choosing the right plan network is critical for Surry County residents who rely on local facilities like Bethany Medical Center in Mount Airy or who may need specialty or advanced care at regional health systems.
Blue Advantage, a PPO, offers the largest nationwide network and connects Surry County residents to the broadest range of local and regional providers, including Northern Regional Hospital and Atrium Health facilities.
Blue Care, a PPO, provides broad statewide network access and is well-suited for Surry County residents who want flexibility to see providers at Hugh Chatham Memorial Hospital in Elkin without referrals.
Blue Value, an HMO, focuses on value-oriented coverage with lower premiums and is designed for Surry County residents who are comfortable using a defined network of local primary care and specialist providers.
PPO plans under Blue Advantage and Blue Care allow Surry County residents to seek care at out-of-network facilities when needed, offering an important safety net for those requiring advanced services at Atrium Health Wake Forest Baptist.
HMO coverage under Blue Value requires Surry County members to coordinate care through a primary care physician, making it a strong fit for residents with predictable healthcare needs centered on local clinics like Bethany Medical Center.
All three Blue Cross NC networks available in Surry County for 2026 include access to providers affiliated with Northern Regional Hospital, ensuring continuity of care for residents in Mount Airy and surrounding communities.
Bronze plans in Surry County start at approximately $482.73/month before subsidies. With a median household income of $56,095, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Surry County start at $482.73 per month for a 35-year-old, offering the lowest premiums with higher deductibles and out-of-pocket costs for those who use care infrequently.
Silver plans start at $620.43 per month for a 35-year-old and are the only tier eligible for Cost Sharing Reduction benefits, which lower deductibles and out-of-pocket maximums for qualifying Surry County households.
Gold plans start at $641.58 per month for a 35-year-old and provide lower deductibles and richer benefits, making them a strong fit for residents with regular healthcare needs.
Surry County residents with household incomes between 100% and 400% of the federal poverty level are likely eligible for Advance Premium Tax Credits that reduce monthly plan premiums below the listed starting prices.
Households with incomes below 250% of the federal poverty level may qualify for Cost Sharing Reduction Silver plans that dramatically lower the out-of-pocket maximums compared to standard Silver plan cost structures.
Some Surry County residents with incomes in the range of 100% to 150% of the federal poverty level may qualify for a zero-dollar monthly premium Silver plan after tax credits are applied.
Blue Cross NC is the ACA Marketplace carrier offering individual and family health insurance plans in Surry County for 2026, with 15 total plans available across multiple coverage tiers and network structures. These 15 plans are organized across three network types, Blue Advantage, Blue Care, and Blue Value, giving residents the choice of broad PPO access or a more focused HMO approach. Blue Advantage and Blue Care PPO networks connect Surry County residents to a wide range of providers including Northern Regional Hospital, Hugh Chatham Memorial Hospital in Elkin, and regional Atrium Health facilities, while Blue Value's HMO structure centers care around local providers at lower premium levels. The network a Surry County resident selects determines whether they can see providers at facilities like Atrium Health Wake Forest Baptist in Winston-Salem at in-network rates or must pay additional out-of-pocket costs for specialty referrals. Health Plans of NC compares every available Blue Cross NC plan side-by-side at no cost, helping Surry County residents choose the network and coverage level that best matches their provider preferences and healthcare needs.
Blue Cross NC, PPO and HMO plans, 15 plans available in Surry County for 2026 across Blue Advantage, Blue Care, and Blue Value network types.
North Carolina expanded Medicaid in December 2023, extending free or low-cost coverage to adults earning up to 138% of the federal poverty level, opening eligibility to thousands of Surry County residents who previously fell into a coverage gap. In Surry County, 11.9% of residents, approximately 8,000 people, remain uninsured, and many of these individuals may now qualify for Medicaid or a subsidized Marketplace plan. Children in families earning up to 210% of the federal poverty level may qualify for NC Health Choice, the state's CHIP program, providing low-cost comprehensive coverage for minors. Surry County's poverty rate of 16.7% means a significant share of county households are likely eligible for Medicaid or CHIP, and Health Plans of NC can conduct a free eligibility check to help residents determine whether they qualify.
Working adults in Surry County who are employed part-time or in lower-wage positions and earn at or below 138% of the federal poverty level may qualify for full Medicaid coverage.
Children in Surry County families with incomes up to 210% of the federal poverty level may be eligible for NC Health Choice, which provides comprehensive low-cost health coverage for minors.
Pregnant women in Surry County with limited incomes may qualify for Medicaid coverage that includes prenatal, delivery, and postpartum care through local providers and Northern Regional Hospital.
Surry County residents with disabilities who meet income and functional eligibility criteria may qualify for Medicaid regardless of age, covering a broad range of medical and behavioral health services.
With a poverty rate of 16.7% in Surry County, a substantial portion of local households falls within or near the income thresholds for Medicaid and CHIP, making a free eligibility check with Health Plans of NC a valuable first step.
Health Plans of NC licensed agents serve Surry County residents at no cost, comparing every available plan side-by-side and guiding each household through enrollment from start to finish. Call 800-797-0327 today to get personalized plan recommendations and find out exactly what coverage and savings are available to you.
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 Surry 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 |
Surry County ZIP Codes include: 27007, 27017, 27024, 27030, 27031, 27041, 27047, 27049, 28621, 28676, and 28683
