Find Your Most Affordable Health Insurance Plan in Yadkin County
in North Carolina
Yadkin County residents can compare 16 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 Yadkin County, NC with Health Plans of NC. Health Plans of NC helps Yadkin County residents find and compare affordable health insurance coverage for 2026, connecting locals to plans that work for their budget and healthcare needs. Whether you work for a major employer like Unifi Manufacturing or rely on a regional health system like Atrium Health Wake Forest Baptist, our licensed agents are here to help 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 Yadkin County |
Blue Home with Novant Health | PPO | Available in Yadkin County |
Yadkin County is home to 37,419 residents, with a population that has grown 0.6 percent since 2020, and a community where 5.3 percent of residents are foreign-born, reflecting a diverse workforce employed by major local employers including Unifi Manufacturing, Yadkin County Schools, Mega International, County of Yadkin, and PVH Corp. Residents across the county have access to multiple coverage pathways depending on their employment status, household size, and healthcare needs. Regional health systems including Atrium Health Wake Forest Baptist and Stokes Reynolds Memorial serve as anchors for local healthcare access, making network compatibility an important factor when evaluating plan options.
ACA Marketplace individual and family plans through Blue Cross NC serve self-employed residents, part-time workers at employers like PVH Corp, and those without access to employer-sponsored coverage.
Medicaid and NC Health Choice serve Yadkin County residents and children who meet income eligibility requirements, including many workers in lower-wage roles across the county's manufacturing sector.
Employer-sponsored group health plans serve full-time employees at major Yadkin County employers such as Unifi Manufacturing and Mega International, often providing access to broad regional provider networks.
Short-term health plans may provide temporary coverage for Yadkin County residents between jobs or waiting for open enrollment, though these plans do not meet ACA standards and offer limited benefits.
COBRA continuation coverage allows Yadkin County residents who recently lost employer-sponsored insurance, such as former employees of Yadkin County Schools, to maintain their existing plan for a limited period.
Small business SHOP Marketplace plans allow qualifying Yadkin County small employers to offer group health coverage to employees, supporting local businesses that want to attract and retain workers across the county.
For 2026, Blue Cross NC offers Yadkin County residents four distinct plan networks, each structured as a PPO and connecting policyholders to different combinations of regional hospitals and specialist groups. The available networks include Blue Advantage, Blue Care, Blue Local with Atrium Health, and Blue Home with Novant Health, giving residents flexibility in choosing a plan that aligns with their preferred providers. Each network varies in its geographic scope and the specific hospitals and health systems it includes as in-network, so selecting the right network is critical for residents who regularly use facilities in and around Yadkin County.
Blue Advantage, a PPO, provides the largest nationwide network with more than 95 percent of North Carolina doctors in-network, making it a strong option for Yadkin County residents who travel or see specialists across the state.
Blue Care, a PPO, offers a broad statewide network with more than 92 percent of North Carolina doctors in-network, covering a wide range of hospitals and clinics accessible to Yadkin County residents.
Blue Local with Atrium Health, a PPO, is available in Yadkin County and connects policyholders to Atrium Health providers including Atrium Health Wake Forest Baptist facilities serving the region.
Blue Home with Novant Health, a PPO, is available in Yadkin County and connects policyholders to Novant Health facilities including Novant Health Forsyth Medical Center in Winston-Salem and Davie Medical Center in Bermuda Run.
All four networks are structured as PPO plans, meaning Yadkin County residents can see out-of-network providers at a higher cost, offering added flexibility for those who want access beyond a defined local network.
Network selection directly affects in-network access to local facilities such as Hugh Chatham Memorial Hospital in Elkin and Hoots Memorial Hospital in Yadkinville, so residents should confirm their preferred providers before enrolling.
Bronze plans in Yadkin County start at approximately $443.10/month before subsidies. With a median household income of $60,321, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Yadkin County start at $443.10 per month for a 35-year-old before subsidies, offering the lowest monthly premiums with higher deductibles, making them a good fit for residents who are generally healthy.
Silver plans start at $569.49 per month before tax credits and are the only tier eligible for cost-sharing reductions, which lower deductibles and copays for qualifying lower-income Yadkin County households.
Gold plans start at $588.91 per month before subsidies and feature higher premiums offset by lower out-of-pocket costs, making them a strong value for residents who use healthcare services frequently throughout the year.
Premium tax credits are calculated based on household income relative to the federal poverty level, and with a county median household income of $60,321, many Yadkin County families qualify for meaningful monthly savings.
Some Yadkin County residents with lower household incomes may qualify for a zero-dollar or near-zero monthly premium Silver plan after premium tax credits are applied, making comprehensive coverage accessible at minimal cost.
Out-of-pocket maximums vary across the 16 available plans, so comparing total annual cost including deductibles, copays, and coinsurance is essential when choosing between Bronze, Silver, and Gold tiers.
Blue Cross NC is the sole ACA Marketplace carrier offering plans in Yadkin County for 2026, with a total of 16 plans available to individuals and families. These 16 plans are organized across four networks, 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. Blue Local with Atrium Health connects Yadkin County policyholders to Atrium Health Wake Forest Baptist and its affiliated facilities, while Blue Home with Novant Health connects members to Novant Health Forsyth Medical Center, Davie Medical Center in Bermuda Run, and other Novant facilities in the region. The network a resident selects directly determines which local doctors, specialists, and hospitals are considered in-network, which is a critical decision for residents who rely on facilities like Hugh Chatham Memorial Hospital in Elkin or Hoots Memorial Hospital in Yadkinville. Health Plans of NC licensed agents compare every available Blue Cross NC plan side-by-side at no cost, helping Yadkin County residents identify the plan that best matches their provider preferences and budget.
Blue Cross NC, offering 16 ACA Marketplace PPO plans across four networks for Yadkin County residents in 2026, including Blue Advantage, Blue Care, Blue Local with Atrium Health, and Blue Home with Novant Health.
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 residents across the state. In Yadkin County, 11.9 percent of residents, approximately 4,000 people, remain uninsured, and many may now qualify for Medicaid or another subsidized coverage option under the expanded program. Children in Yadkin County families earning up to 210 percent of the federal poverty level may qualify for NC Health Choice, the state's Children's Health Insurance Program, which provides low-cost comprehensive coverage for minors. Health Plans of NC can conduct a free eligibility check for any Yadkin County resident who wants to know whether they qualify for Medicaid, CHIP, or a subsidized Marketplace plan.
Working adults in Yadkin County who earn at or below 138 percent of the federal poverty level may qualify for NC Medicaid expanded coverage at little or no cost.
Children in Yadkin County households may qualify for NC Health Choice, which provides comprehensive low-cost insurance for minors in families that earn too much for Medicaid but still need assistance.
Pregnant women in Yadkin County are eligible for Medicaid coverage during pregnancy and for a postpartum period, ensuring access to prenatal care and delivery services at regional hospitals.
With a poverty rate of 13.6 percent in Yadkin County, a meaningful share of local residents may meet the income requirements for Medicaid and should contact Health Plans of NC for a free eligibility review.
Yadkin County residents with qualifying disabilities may be eligible for Medicaid regardless of age, providing access to medical, behavioral health, and long-term care services through the state program.
Health Plans of NC licensed agents serve Yadkin County residents at no cost, comparing every available plan side-by-side to help you find the right coverage for your budget and healthcare needs. Call us today at 800-797-0327 to get personalized guidance and complete your enrollment with expert support.
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 Yadkin 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 |
Yadkin County ZIP Codes include: 27011, 27018, 27020, 27055, and 28642
