Find Your Most Affordable Health Insurance Plan in Yancey County
in North Carolina
Yancey County residents can compare 18 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 Yancey County, NC with Health Plans of NC. Health Plans of NC helps Yancey County, NC residents find and enroll in affordable health insurance coverage, working with local employers like Altec Industries and health systems like Mission Yancey Medical Center to ensure every resident has access to the right plan for their needs.
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 |
Yancey County is home to 18,676 residents, with a population that has grown 1.1 percent since 2020 and a foreign-born resident share of 3.0 percent, reflecting a community with diverse coverage needs across working families, retirees, and newer arrivals. Major local employers including Altec Industries, Yancey County Schools, County of Yancey, Ingles Markets, and Glen Raven provide a foundation of employer-sponsored coverage, while health systems such as Mission Yancey Medical Center and HCA Healthcare anchor the local care network that residents depend on. Health Plans of NC helps residents explore every available coverage pathway, from ACA Marketplace plans to Medicaid and small business options, at no cost.
ACA Marketplace plans are available for Yancey County individuals and families who do not receive coverage through employers like Altec Industries or Glen Raven.
Medicaid coverage provides low or no-cost access to Mission Yancey Medical Center and other local providers for eligible Yancey County residents with limited income.
Employer-sponsored insurance is available to many Yancey County residents through large local employers such as Yancey County Schools and the County of Yancey government.
Short-term health coverage offers Yancey County residents transitional protection while between jobs or waiting for employer benefits to begin at workplaces like Ingles Markets.
COBRA continuation coverage allows Yancey County residents who recently left employment at local employers to maintain their existing health plan temporarily.
Small business SHOP plans through the ACA Marketplace allow small Yancey County employers and their employees to access group health coverage through local health systems including HCA Healthcare.
For 2026, Yancey County residents can access health insurance plans through two Blue Cross NC plan networks, Blue Advantage and Blue Care, both offering PPO structures that provide broad access to local and regional providers. Blue Advantage connects Yancey County residents to the largest nationwide PPO network, while Blue Care offers a broad statewide PPO network, with both options including access to key local facilities such as Blue Ridge Regional Hospital in Spruce Pine and Blue Ridge Medical Center Yancey Campus in Burnsville. Health Plans of NC agents help residents identify which network best matches their preferred doctors, specialists, and care facilities across western North Carolina.
Blue Advantage, PPO, includes access to over 95 percent of NC doctors in-network, including providers at Blue Ridge Regional Hospital in Spruce Pine and local Burnsville clinics.
Blue Care, PPO, covers over 92 percent of NC doctors in-network, connecting Yancey County residents to Blue Ridge Medical Center Yancey Campus at 800 Medical Campus Dr in Burnsville.
Both Blue Advantage and Blue Care PPO networks include access to specialists at Mission Community Orthopedics and Asheville Cardiology Associates in Spruce Pine.
Blue Advantage and Blue Care plans are available at Bronze, Silver, and Gold metal tiers, giving Yancey County residents flexibility in balancing monthly costs against out-of-pocket expenses.
Catastrophic plan options are also available to eligible Yancey County residents under age 30 or those with a qualifying hardship exemption through Blue Cross NC.
Both plan networks cover behavioral health services, including providers like Daymark Recovery Services, supporting Yancey County residents who need mental health or substance use care.
Bronze plans in Yancey County start at approximately $522.41/month before subsidies. With a median household income of $54,961, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans start at $522.41 per month for a 35-year-old in Yancey County before any federal premium tax credits reduce the monthly cost.
Silver plans start at $671.42 per month for a 35-year-old and are the only tier eligible for additional cost-sharing reductions that lower deductibles and copays.
Gold plans start at $694.31 per month for a 35-year-old, offering lower out-of-pocket costs in exchange for a higher monthly premium.
Yancey County households earning between 100 and 400 percent of the federal poverty level qualify for premium tax credits, and expanded eligibility rules extend subsidies to some households above that threshold depending on family size.
Some Yancey County residents qualify for a zero-dollar premium Silver plan based on income, providing access to local providers at no monthly cost after tax credits are applied.
Yancey County's median household income of $54,961 means many working families and self-employed residents are likely eligible for meaningful subsidy reductions on their monthly premium.
For 2026, Blue Cross NC is the ACA Marketplace carrier serving Yancey County, offering 18 individual and family health insurance plans to county residents. These plans are available through two PPO networks, Blue Advantage and Blue Care, each providing different levels of statewide and nationwide provider access. Blue Advantage connects Yancey County residents to the largest nationwide PPO network with over 95 percent of NC doctors in-network, while Blue Care offers a broad statewide PPO network covering over 92 percent of NC doctors, including key local facilities like Blue Ridge Regional Hospital and Blue Ridge Medical Center Yancey Campus. Choosing between these two networks directly affects which local specialists, such as those at Mission Community Orthopedics in Spruce Pine or Asheville Cardiology Associates, are covered at in-network rates. Health Plans of NC compares every available Blue Cross NC plan side-by-side at no cost so Yancey County residents can make a confident, informed enrollment decision.
Blue Cross NC, PPO plans through Blue Advantage and Blue Care networks, 18 total plans available to Yancey County residents for 2026.
North Carolina expanded Medicaid in December 2023, extending low or no-cost coverage to adults earning up to 138 percent of the federal poverty level, opening eligibility to thousands of Yancey County residents who previously did not qualify. Currently, 9.4 percent of Yancey County residents, approximately 2,000 people, remain uninsured, and many of them may now qualify for Medicaid or subsidized coverage without realizing it. Children in Yancey 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 low-cost coverage for minors. Health Plans of NC offers free eligibility checks for Yancey County residents who want to find out whether they or their children qualify for Medicaid or CHIP.
Working adults in Yancey County who earn below 138 percent of the federal poverty level may now qualify for full Medicaid coverage following North Carolina's 2023 expansion.
Children in Yancey County families with incomes up to 210 percent of the federal poverty level may qualify for NC Health Choice, providing comprehensive low-cost pediatric coverage.
Pregnant women in Yancey County may qualify for Medicaid at higher income thresholds than the standard adult limit, covering prenatal and delivery care at local facilities.
Yancey County residents with disabilities or seniors with limited income may qualify for Medicaid programs that cover long-term care, prescriptions, and specialist visits.
With a county poverty rate of 14.9 percent, a significant share of Yancey County residents fall at or near income thresholds that make them eligible for Medicaid or heavily subsidized marketplace coverage.
Health Plans of NC licensed agents serve Yancey County residents at no cost, comparing every available 2026 plan side-by-side and guiding each resident through enrollment from start to finish. Call 800-797-0327 today to speak with an agent who knows the Yancey County market and can find the right plan for your budget and healthcare needs.
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 Yancey 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 |
|---|---|---|
Adventhealth Hendersonville | 100 Hospital Dr, Hendersonville, NC 28792 | (828) 684-8501 |
Asheville Specialty Hospital | 428 Biltmore Ave # 4, Asheville, NC 28801 | (828) 213-5400 |
Asheville VA Medical Ctr | 1100 Tunnel Rd, Asheville, NC 28805 | (828) 298-7911 |
Blue Ridge Regional Hospital | 125 Hospital Dr, Spruce Pine, NC 28777 | (828) 765-4201 |
Broughton Hospital | 1000 S Sterling St, Morganton, NC 28655 | (828) 433-2111 |
Caldwell UNC Health Care | 321 Mulberry St SW, Lenoir, NC 28645 | (828) 757-5100 |
Charles A Cannon Jr Meml Hosp | 434 Hospital Dr, Newland, NC 28657 | (828) 737-7000 |
Forum Health Asheville | 1312 Patton Ave, Asheville, NC 28806 | (828) 252-9833 |
Mission Children's Hospital | 11 Vanderbilt Park Dr, Asheville, NC 28803 | (828) 213-1740 |
Mission Hospital Mcdowell | 430 Rankin Dr, Marion, NC 28752 | (828) 659-5000 |
Mission Hospital | 509 Biltmore Ave, Asheville, NC 28801 | (828) 213-1111 |
Pardee UNC Health Care | 800 N Justice St, Hendersonville, NC 28791 | (828) 696-1000 |
St Luke's Hospital | 101 Hospital Dr, Columbus, NC 28722 | (828) 894-3311 |
St Lukes Hospital | 101 Hospital Dr, Columbus, NC 28722 | (828) 894-3311 |
UNC Health Blue Ridge | 2201 S Sterling St, Morganton, NC 28655 | (828) 580-5000 |
UNC Health Care Blue Ridge | 720 Malcolm Blvd, Valdese, NC 28690 | (828) 580-7640 |
Clinic | Address | Phone |
|---|---|---|
AMCHC | 225 Patton Ave # 200, Asheville, NC 28801 | (828) 412-5315 |
Apex Brain Ctr | 600 Julian Ln # 650, Arden, NC 28704 | (828) 708-5274 |
Asheville Cardiology Assoc-MRN | 472 Rankin Dr # Entrance3, Marion, NC 28752 | (828) 652-0005 |
Asheville Cardiology Assoc | 189 Hospital Dr # 2ndfloor, Spruce Pine, NC 28777 | (828) 274-6000 |
Asheville Cardiology Assoc | 387 US 70 W, Marion, NC 28752 | (828) 274-6000 |
Asheville Cardiology Assoc | 589 Peniel Rd, Columbus, NC 28722 | (828) 274-6000 |
Asheville Children's Med Ctr | 7 Vanderbilt Park Dr # 100a, Asheville, NC 28803 | (828) 258-0969 |
Asheville Orthopaedic Assoc | 1 Hospital Dr, Asheville, NC 28801 | (828) 252-7331 |
Asheville Orthopaedic Assoc | 2315 Asheville Hwy, Hendersonville, NC 28791 | (828) 782-9330 |
Asheville Orthopaedic Assoc | 472 Rankin Dr # Entrance3, Marion, NC 28752 | (828) 252-7331 |
Atrium Health At Hm-Hm Med | 141 Fiddlers Run Blvd, Morganton, NC 28655 | (828) 879-9050 |
Atrium Health At Home | 141 Fiddlers Run Blvd, Morganton, NC 28655 | (828) 580-6450 |
Atrium Health Shelby Women's | 446 N Carolina 108, Rutherfordton, NC 28139 | (980) 487-2570 |
Blue Ridge Med Ctr Mayland | , Spruce Pine, NC 28777 | (828) 765-4113 |
Blue Ridge Med Ctr Yancy Cmps | 800 Medical Campus Dr, Burnsville, NC 28714 | (828) 682-0200 |
Blue Ridge Med Ctr-Yancey Cmps | 125 Hospital Dr, Spruce Pine, NC 28777 | (828) 765-4201 |
Carolina Spine & Neurosurgery | 2315 Asheville Hwy, Hendersonville, NC 28791 | (828) 255-7776 |
Carolinas Healthcare Syst Blue | 1766 Connelly Springs Rd, Lenoir, NC 28645 | (828) 728-8224 |
Carolinas Medical Ctr At Hm | 141 Fiddlers Run Blvd, Morganton, NC 28655 | (828) 580-6441 |
Catawba Valley Medical Ctr | 309 S College St, Morganton, NC 28655 | (828) 326-3803 |
Fastmed Family Medicine | 160 Hendersonville Rd, Asheville, NC 28803 | (828) 210-2835 |
Gastroenterology-Mission | 11 Vanderbilt Park Dr # 2, Asheville, NC 28803 | (828) 213-1740 |
Happy Valley Medical Ctr | 1345 NC Highway 268, Lenoir, NC 28645 | (828) 754-6850 |
Keys Of Hope Medical Ctr | 295 Carson St # K, Marion, NC 28752 | (828) 659-6334 |
Levine Cancer Inst-Blue Ridge | 720 Malcolm Blvd, Connelly Springs, NC 28612 | (828) 580-7536 |
Mars Hill Medical Ctr | 119 Mountain View Rd, Mars Hill, NC 28754 | (828) 689-3507 |
Mauzy-Phillips Ctr | 125 Hospital Dr, Spruce Pine, NC 28777 | (828) 766-3555 |
Mission Children's Outpatient | 11 Vanderbilt Park Dr, Asheville, NC 28803 | (828) 213-1740 |
Mission Children's Specialists | 11 Vanderbilt Prk Dr # 2ndfloor, Asheville, NC 28803 | (828) 213-1740 |
Mission Community Medicine-Brk | 149 W Parker Rd, Morganton, NC 28655 | (828) 433-4933 |
Mission Community Medicine-Nb | 339 Nebo School Rd, Nebo, NC 28761 | (828) 652-6326 |
Mission Community Orthopedics | 189 Hospital Dr # 2ndfloor, Spruce Pine, NC 28777 | (828) 766-3555 |
Mission Community Urological | 189 Hospital Dr # 2ndfloor, Spruce Pine, NC 28777 | (828) 766-3555 |
Mission Health Ctr Highway 70 | 387 US 70 W, Marion, NC 28752 | (828) 652-6386 |
Mission Health Ctr Sugar Hill | 1633 Sugar Hill Rd, Marion, NC 28752 | (828) 652-7776 |
Mission Health Mauzy-Phillips | 189 Hospital Dr # 2ndfloor, Spruce Pine, NC 28777 | (828) 766-3555 |
Mission Health Partners | 50 Schenck Pkwy, Asheville, NC 28803 | (828) 213-3250 |
Mission Hospital-Smoking | 1 Hospital Dr, Asheville, NC 28801 | (828) 213-5527 |
Mission Hospital-St Joseph | 428 Biltmore Ave, Asheville, NC 28801 | (828) 213-1111 |
Mission Medical Oncology | 430 Rankin Dr # Entrance3, Marion, NC 28752 | (800) 506-2550 |
Mission Neurology Svc | 509 Biltmore Ave, Asheville, NC 28801 | (828) 213-1439 |
Mission Neurology-Outpatient | 1 Hospital Dr # 3200, Asheville, NC 28801 | (828) 213-9530 |
Mission Orthopedic Trauma Svc | 1 Hospital Dr # 4200, Asheville, NC 28801 | (828) 213-1994 |
Mission Outpatient Svc Sugar | 1633 Sugar Hill Rd # Entranceb, Marion, NC 28752 | (828) 252-7331 |
Mission St Joseph's Health | 890 Hendersonville Rd, Asheville, NC 28803 | (828) 274-7026 |
Mission Urology-Asheville | 1 Hospital Dr # 4100, Asheville, NC 28801 | (828) 254-8883 |
Mission Urology-Mcdowell | 472 Rankin Dr # Entrance3, Marion, NC 28752 | (828) 659-5700 |
Mission Weight Management | 1 Hospital Dr # 3400, Asheville, NC 28801 | (828) 213-4100 |
Mission Women's Care-Spruce Pn | 189 Hospital Dr # 2ndfloor, Spruce Pine, NC 28777 | (828) 766-3555 |
Mission Workwell-Medical Park | 2 Medical Park Dr # 102, Asheville, NC 28803 | (828) 213-9600 |
Occupational Medicine Ctr | 288 S Ridgecrest Ave, Rutherfordton, NC 28139 | (828) 286-5508 |
Sloop Medical Office Plaza | 436 Hospital Dr, Newland, NC 28657 | (828) 733-0280 |
Stonecreek Health & Rehab LLC | 455 Victoria Rd, Asheville, NC 28801 | (828) 225-3829 |
Surgical Specialist-Carolina | 1998 Hendersonville Rd # 40, Asheville, NC 28803 | (828) 585-2575 |
Valdese Patient Svc Ctr | 730 Malcolm Blvd # 160, Rutherford College, NC 28671 | (828) 580-7456 |
Yancey County ZIP Codes include: 28714, 28740, and 28755
