Find Your Most Affordable Health Insurance Plan in Transylvania County
in North Carolina
Transylvania 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 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 Transylvania County, NC with Health Plans of NC. Health Plans of NC helps Transylvania County, NC residents find and enroll in the right health insurance plan for 2026, with local connections to Transylvania Regional Hospital and major area employers. Whether you are a family, retiree, or individual, Health Plans of NC compares every available option at no cost to you.
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 |
Transylvania County is home to 33,243 residents, a community that has grown 0.8% since 2020, with 3.5% of residents being foreign-born, reflecting a diverse population with varied coverage needs. Major employers such as Transylvania County Schools, Brevard College, Ingles Markets, Transylvania County government, and Transylvania Regional Hospital anchor the local economy and provide a foundation for both employer-sponsored and individual market coverage. Health systems including Transylvania Regional Hospital and Mission Health HCA serve as key anchors for local healthcare access, making it important for residents to understand all available coverage pathways.
ACA Marketplace plans through Blue Cross NC are available to Transylvania County residents who do not have access to qualifying employer-sponsored coverage, including self-employed workers and those between jobs.
Medicaid coverage is available to eligible low-income adults and families in Transylvania County, including those employed part-time at local businesses such as Ingles Markets who may not receive employer benefits.
Employer-sponsored insurance is offered by major Transylvania County employers including Transylvania County Schools, Brevard College, and Transylvania Regional Hospital, covering a significant share of the local workforce.
Short-term health plans may serve as a temporary bridge for Transylvania County residents in transition between jobs or waiting for open enrollment, though they do not meet ACA minimum essential coverage standards.
COBRA continuation coverage allows former employees of Transylvania County employers such as Brevard College or Transylvania County government to maintain their existing group plan benefits for a limited period after leaving employment.
SHOP small business plans through the ACA Marketplace are available to small employers in Transylvania County, including independent businesses in Brevard and Rosman, allowing them to offer group coverage to their employees.
For 2026, Transylvania County residents can choose from plans offered under two Blue Cross NC network options, Blue Advantage and Blue Care, both of which connect enrollees to providers in western North Carolina including Transylvania Regional Hospital in Brevard and Mission Health HCA facilities in Asheville. Blue Advantage is a PPO network with the largest nationwide coverage footprint, while Blue Care is a PPO network with broad statewide access, giving residents flexibility in how they access specialists and hospital care. Health Plans of NC helps residents evaluate which network best fits their regular providers before enrolling.
Blue Advantage PPO connects Transylvania County residents to the largest nationwide provider network, with more than 95% of NC doctors in-network, including providers at Transylvania Regional Hospital and Mission Health HCA.
Blue Care PPO offers broad statewide network access with more than 92% of NC doctors in-network, well-suited for residents who primarily seek care at Transylvania Regional Hospital and regional specialty clinics like Mission Urology-Brevard.
Both Blue Advantage and Blue Care PPO plans allow Transylvania County residents to see specialists without requiring a primary care referral, providing flexibility for those managing ongoing conditions.
Blue Advantage PPO plans are particularly beneficial for Transylvania County residents who travel frequently or who may need to access out-of-area providers beyond the western North Carolina region.
Blue Care PPO plans are a strong fit for Transylvania County residents centered in Brevard, Rosman, and Pisgah Forest who primarily use local and regional providers within the Mission Health HCA system.
All 2026 plans available in Transylvania County include access to Transylvania Regional Hospital at 260 Hospital Dr, Brevard, as a key in-network facility under both Blue Advantage and Blue Care network structures.
Bronze plans in Transylvania County start at approximately $491.92/month before subsidies. With a median household income of $64,523, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Transylvania County start at $491.92 per month for a 35-year-old before subsidies, offering the lowest premiums with higher deductibles, best suited for healthy adults who want catastrophic protection.
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 out-of-pocket costs for qualifying Transylvania 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 choice for residents who expect frequent medical visits or ongoing care.
Transylvania County households earning up to 400% of the federal poverty level qualify for ACA premium tax credits, and many working families in Brevard and surrounding towns are eligible for meaningful monthly savings based on the county median income of $64,523.
Residents earning between 100% and 150% of the federal poverty level may qualify for enhanced subsidies under the Inflation Reduction Act, potentially reducing monthly Silver plan premiums to as little as $0.
Health Plans of NC agents calculate exact subsidy amounts for every Transylvania County applicant at no cost, ensuring families do not leave available premium tax credits on the table during enrollment.
Blue Cross NC is the sole ACA Marketplace carrier serving Transylvania County for 2026, offering a total of 17 individual and family plans across the county. These plans are structured under two PPO network options, Blue Advantage and Blue Care, giving residents a choice between the largest nationwide network and a broad statewide network. Blue Advantage connects Transylvania County enrollees to an extensive national provider directory with more than 95% of NC doctors in-network, while Blue Care provides broad statewide access with more than 92% of NC doctors in-network, including local facilities such as Transylvania Regional Hospital and Mission Health HCA. The network a resident selects directly determines which hospitals, specialists, and clinics they can access at in-network rates, making the choice between Blue Advantage and Blue Care a critical decision for anyone relying on providers like Mission Urology-Brevard or Asheville Cardiology Associates at Highlands. Health Plans of NC compares all 17 Blue Cross NC plans side by side at no cost, helping Transylvania County residents identify the best combination of network, coverage tier, and monthly premium for their situation.
Blue Cross NC, the only ACA Marketplace carrier in Transylvania County for 2026, offering 17 individual and family PPO plans under the Blue Advantage and Blue Care networks.
North Carolina expanded Medicaid in December 2023, extending free or low-cost coverage to adults earning up to 138% of the federal poverty level, a change that made thousands of Transylvania County residents newly eligible for coverage. Currently, 11.8% of Transylvania County residents, approximately 4,000 people, remain uninsured, and many of them may now qualify for Medicaid or subsidized Marketplace coverage without realizing it. Children in households earning up to 210% of the federal poverty level may qualify for NC Health Choice, the state's CHIP program, providing low-cost or no-cost coverage for families that earn too much for Medicaid but still need affordable options. Health Plans of NC offers free eligibility checks for Transylvania County residents who want to find out whether they or their children qualify for Medicaid, CHIP, or a subsidized Marketplace plan.
Working adults in Transylvania County who are employed part-time or in jobs without employer benefits may qualify for NC Medicaid if their household income falls at or below 138% of the federal poverty level.
Children in Transylvania County whose families earn too much for Medicaid but still need affordable coverage may be eligible for NC Health Choice, the state CHIP program, at little or no cost.
Pregnant women in Transylvania County are eligible for expanded Medicaid coverage throughout pregnancy and for a period after delivery, ensuring access to prenatal and postnatal care at local facilities.
Seniors and adults with disabilities in Transylvania County who have low income may qualify for combined Medicare and Medicaid coverage, reducing their out-of-pocket costs for medical and long-term care services.
With a poverty rate of 14.2% in Transylvania County, a significant share of local families may be eligible for Medicaid or CHIP, and Health Plans of NC can help determine eligibility and assist with enrollment at no cost.
Health Plans of NC licensed agents serve Transylvania County residents at no cost, comparing every available 2026 plan side by side to find the best fit for your health needs and budget. Call 800-797-0327 today to speak with an agent who can guide you through enrollment and help you maximize any savings you qualify for.
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 Transylvania 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 |
|---|---|---|
Angel Medical Ctr | 124 One Center Ct, Franklin, NC 28734 | (828) 524-8411 |
Cherokee Indian Hospital | 1 Hospital Rd, Cherokee, NC 28719 | (828) 497-9163 |
Erlanger Western Carolina Hosp | 3990 E US 64 Alt, Murphy, NC 28906 | (828) 837-8161 |
Harris Regional Hospital | 68 Hospital Rd, Sylva, NC 28779 | (828) 586-7000 |
Haywood Regional Medical Ctr | 262 Leroy George Dr, Clyde, NC 28721 | (828) 456-7311 |
Highlands-Cashiers Hospital | 190 Hospital Dr, Highlands, NC 28741 | (828) 526-1200 |
Swain Community Hospital | 45 Plateau St # 230, Bryson City, NC 28713 | (828) 488-2155 |
Transylvania Regional Hospital | 260 Hospital Dr, Brevard, NC 28712 | (828) 884-9111 |
Unity Healing Ctr | 448 Sequoyah Trl, Cherokee, NC 28719 | (828) 497-1800 |
Clinic | Address | Phone |
|---|---|---|
Angel Medical Ctr | 56 Medical Park Dr, Franklin, NC 28734 | (828) 542-8411 |
Asheville Cardiology Assoc | 190 Hospital Dr # 104, Highlands, NC 28741 | (828) 274-6000 |
Atlanta Gastroenterology Assoc | 145 Medical Park Ln # K, Murphy, NC 28906 | (404) 257-9000 |
Center For Family Medicine | 55 Holly Springs Park Dr, Franklin, NC 28734 | (828) 349-3550 |
Haywood Regional Medical Ctr | , Waynesville, NC 28786 | (828) 452-8070 |
Mission Community Primary Care | 57 White Owl Ln, Cashiers, NC 28717 | (828) 743-2491 |
Mission Health Ctr Highlands | 190 Hospital Dr, Highlands, NC 28741 | (828) 526-4942 |
Mission Urology-Brevard | 89 Hospital Dr # C, Brevard, NC 28712 | (828) 883-5858 |
Murphy Medical Ctr Emergency | 3990 E US 64 Alt, Murphy, NC 28906 | (828) 837-8300 |
Murphy Medical Ctr Human RSRCS | , Murphy, NC 28906 | (828) 835-7683 |
Murphy Medical Ctr Radiology | 3990 E US 64 Alt, Murphy, NC 28906 | (828) 835-7540 |
Murphy Medical Ctr | 3990 E US Highway 64 Alternate, Murphy, NC 28906 | (828) 835-7502 |
Murphy Medical Ctr | 4130 115 Highway 64 E, Murphy, NC 28906 | (828) 835-7505 |
Orthopedics-Sports Medicine | 190 Riverview St, Franklin, NC 28734 | (828) 349-8260 |
Ozarks Medical Ctr | PO Box 330, Marble, NC 28905 | (417) 257-5802 |
Primary Care Franklin | 190 Riverview St, Franklin, NC 28734 | (828) 349-6800 |
VA Medical Ctr | 45 HI Lane St, Canton, NC 28716 | (828) 298-7911 |
Transylvania County ZIP Codes include: 28708, 28712, 28718, 28747, 28766, 28768, 28772, and 28774
