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High Point · Piedmont Triad, NC

Affordable Healthcare in High Point

High Point, Thomasville, Archdale and Trinity. The home of the world's largest furniture trade show, and a lot of people who work on commission.

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Answer 6 quick questions to see what Direct Primary Care plus health sharing could cost your household.

Buying your own plan in High Point, Thomasville & Archdale

High Point had 114,059 people at the 2020 census, and it's unusual: the city spreads across four counties (source). Twice a year, the High Point Market brings in buyers, designers and exhibitors; the Market Authority counts about 150,000 people from more than 100 countries each year (source). A Duke University study put the market's value to the region at $5.4 billion and more than 37,000 jobs (2013) (source).

Behind those numbers are a lot of 1099 workers: independent sales reps, interior designers, photographers and stylists, showroom staff hired for each market, and small upholstery and case-goods shops. They often earn well and get no employer plan.

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Towns we help in High Point, Thomasville & Archdale

  • High Point · Guilford, Davidson, Randolph and Forsyth counties · 114,059 people (2020)
    Atrium Health Wake Forest Baptist High Point Medical Center; High Point University.
  • Thomasville · Davidson County
    Furniture-making town along I-85, about 10 miles southwest of High Point.
  • Archdale and Trinity · Randolph County
    Southern suburbs of High Point along I-74 and US 311.

Don't see your town? We help anywhere in the Triad. Tell us where you are.

I-40I-85I-73/74US 29GreensboroReidsvilleWinston-SalemKernersvilleClemmonsHigh PointThomasvilleBurlingtonMebaneAsheboroLiberty

Sketch map; roads drawn town to town. This area is highlighted; tap another town to open its guide.

Commission income and a Marketplace tax credit don't mix well

A Marketplace tax credit is based on what you expect to earn for the whole year. When a market goes well, you may owe part of the credit back at tax time. When orders slow, your credit should have been bigger. For independent reps whose income rises and falls with two markets a year, that guess is hard to get right.

Health sharing and a primary care membership cost the same whatever you earn. A good April market doesn't raise the monthly amount, and a slow October doesn't either. The amount is set by household size, the oldest member's age and the Initial Unshareable Amount you choose.

The trade-off is real: health sharing isn't insurance, sharing isn't guaranteed, and pre-existing conditions are phased in over three years. If your income in a given year is modest, a Marketplace plan with a tax credit may cost less. We'll show you both numbers.

Who it fits here, and who should stay on insurance

Usually a good fit: healthy individuals and families who buy their own plan, self-employed people, early retirees under 65, and households whose income is too high for much Marketplace help.

Usually better on insurance: anyone who qualifies for NC Medicaid, anyone with a serious ongoing condition who needs it paid for in year one, anyone planning a pregnancy in the next nine months, anyone who needs regular mental-health therapy, and anyone whose tax credit makes an ACA plan cheap.

In this area specifically: If you travel to other trade shows, health sharing's lack of a network helps: an eligible bill from any licensed provider is handled the same way.

Not sure which side you're on? Tell us about your household or call (743) 223-5388.

Illustrative example · October 2026

Independent furniture rep, age 52

$303.40 /month

Member only, oldest member 50–59, $2,500 Initial Unshareable Amount per Need, non-tobacco. Combined medical cost sharing + virtual primary care membership. Optional dental savings plan from $8.95/month. Not a quote; your amount depends on your household.

See the full price table →

Questions we hear from this area

Does a big market year change my monthly amount?

Not for health sharing or primary care. The monthly amount is set by household size, the oldest member's age, tobacco use and your Initial Unshareable Amount, not your income. Your income does change a Marketplace tax credit.

Can I use High Point Medical Center with health sharing?

Yes. Health sharing has no network, so any licensed hospital works. Pay as a self-pay patient up to your Initial Unshareable Amount, then submit eligible bills.

Is this health insurance?

No. Health care sharing and direct primary care are alternatives to insurance. Sharing is voluntary and not guaranteed, and it isn't Minimum Essential Coverage. North Carolina has no state penalty for going without insurance.

Other Triad areas: Greensboro & Guilford County · Winston-Salem & Forsyth County · Burlington & Alamance County · Asheboro, Liberty & Randolph County

Read more: every option compared · what it costs · health sharing in North Carolina · direct primary care

Written and reviewed by Graham Kerswell. Last updated November 5, 2026. Facts and prices are checked against the sources named on this page.

Sources

Compare your options in High Point, Thomasville & Archdale

Tell us who needs care and what you pay now. We'll walk you through the options, including when insurance is the better fit.

Get my optionsCall (743) 223-5388

Free, no obligation. Greensboro, Winston-Salem, High Point and Triad households.

Health care sharing
Health care sharing ministries are not insurance and are not regulated as insurance. Sharing of medical expenses is voluntary and not guaranteed. Review each organization's guidelines for details, limitations, and state-specific notices.

North Carolina notice (N.C. Gen. Stat. § 58-49-12)
North Carolina law asks health care sharing organizations to give members this notice: “NOTICE: The organization facilitating the sharing of medical expenses is not an insurance company and neither its guidelines nor its plan of operation is an insurance policy. Whether anyone chooses to assist you with your medical bills will be voluntary. No other participant will be compelled by law to contribute toward your medical bills. As such, participation in the organization or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive any payment for medical expenses or whether this organization continues to operate, you are always personally liable for the payment of your own medical bills.” Health care sharing is not Minimum Essential Coverage.

Direct primary care
Direct primary care is a membership with a primary care practice. Under N.C. Gen. Stat. § 58-3-8, a medical direct primary care agreement is not insurance and is not subject to North Carolina's insurance laws; the agreement must be in writing and must state prominently that it is not health insurance. A DPC membership does not pay for specialists, hospital care or emergencies, and it is not Minimum Essential Coverage.

Discount plans
THIS PLAN IS NOT INSURANCE and is not intended to replace health insurance. A discount plan provides discounts at participating providers and does not make payments to providers; the member pays the discounted fee. Discount plan organization: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034. Discount plans are not ACA Qualified Health Plans.

How we're paid
We may receive compensation from some organizations we recommend. This does not change our evaluation of how they work. See our Referral Marketing Disclosure.

Not advice
This page is general information, not medical, legal, tax or financial advice. Prices are examples, not quotes; they depend on your household and can change. Affordable Healthcare Greensboro is not an insurance agency and does not sell insurance. We help individuals and families explore alternatives to insurance, including direct primary care, health care sharing and discount plans.