Find Your Most Affordable Health Insurance Plan in Goldsboro, North Carolina
in North Carolina
Wayne County residents can compare 14 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 Wayne County
Find affordable health insurance in Goldsboro, North Carolina, NC with Health Plans of NC. Health Plans of NC helps Goldsboro, North Carolina residents find the right health insurance coverage for 2026, connecting families and individuals with plans that work alongside local providers like UNC Health Wayne and major community employers such as Seymour Johnson Air Force Base.
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 |
Goldsboro, North Carolina is home to 33,448 residents and has experienced stable, flat population growth of 0.0 percent since 2020, with foreign-born residents making up 4.0 percent of the community. Major employers including Wayne County Schools, Wayne Memorial Hospital, Seymour Johnson Air Force Base, Walmart, and Mount Olive Pickle Company provide some residents with employer-sponsored coverage, while others rely on ACA Marketplace plans, Medicaid, or Medicare for their healthcare needs. UNC Health Wayne and Wayne Memorial Hospital serve as the primary health systems in the area, making network compatibility a key factor when Goldsboro residents choose a plan.
ACA Marketplace coverage through Blue Cross NC is available to Goldsboro residents who do not receive benefits through employers like Wayne County Schools or Seymour Johnson Air Force Base.
Medicaid coverage is available to qualifying low-income Goldsboro adults and families, including those who may work part-time or seasonally at local employers like Walmart or Mount Olive Pickle Company.
Employer-sponsored plans are offered by major Goldsboro employers such as Wayne County Schools, Wayne Memorial Hospital, and Seymour Johnson Air Force Base, covering a significant portion of the local workforce.
Short-term health plans may serve Goldsboro residents in transition between jobs at local employers or awaiting open enrollment, though they do not meet ACA standards for comprehensive coverage.
COBRA continuation coverage allows Goldsboro residents who recently left positions at Wayne Memorial Hospital, Walmart, or other local employers to temporarily maintain their existing group health benefits.
Small business SHOP Marketplace plans are available to Goldsboro small business owners who want to offer group coverage to employees, particularly those in sectors not served by large employers like Seymour Johnson Air Force Base or Wayne County Schools.
For 2026, Goldsboro residents can choose from plans offered under two Blue Cross NC networks, Blue Advantage and Blue Care, both of which provide access to local providers including UNC Health Wayne and Wayne Memorial Hospital. Blue Advantage operates as a PPO with the largest nationwide network, giving Goldsboro residents broad flexibility when accessing specialists both locally and across the country. Blue Care is also a PPO with a broad statewide network, keeping most North Carolina doctors and facilities in-network for Goldsboro households who primarily seek care close to home.
Blue Advantage, a PPO network, connects Goldsboro residents to the largest nationwide provider network, with more than 95 percent of North Carolina doctors considered in-network, including those at UNC Health Wayne.
Blue Care, a PPO network, offers broad statewide coverage with more than 92 percent of North Carolina doctors in-network, making it a strong option for Goldsboro residents who use Wayne Memorial Hospital and local primary care providers.
Both Blue Advantage and Blue Care PPO plans allow Goldsboro residents to see specialists without requiring a referral, which is especially useful for those managing ongoing care at UNC Health Wayne.
Blue Advantage plan members in Goldsboro benefit from out-of-state network access, ideal for residents near Seymour Johnson Air Force Base who may travel or require specialized care outside North Carolina.
Blue Care plan members in Goldsboro receive comprehensive in-network access to Wayne Memorial Hospital and surrounding Wayne County providers, keeping local care both accessible and cost-effective.
Health Plans of NC agents can compare Blue Advantage and Blue Care side by side for Goldsboro residents to identify which PPO network best fits their preferred local providers and care patterns.
Bronze plans in Goldsboro, North Carolina start at approximately $401.70/month before subsidies. Silver plans start at $516.45/month. Gold plans start at $533.89/month. With a median household income of $47,005, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Goldsboro start at $401.70 per month for a 35-year-old before subsidies, offering the lowest monthly premiums with higher out-of-pocket costs when care is needed.
Silver plans begin at $516.45 per month and are the only tier eligible for cost-sharing reductions, making them a strong value for Goldsboro residents with moderate healthcare use.
Gold plans start at $533.89 per month and provide lower deductibles and out-of-pocket costs at the point of care, benefiting residents who expect frequent medical visits throughout the year.
Goldsboro residents with household incomes between 100 percent and 400 percent of the federal poverty level qualify for premium tax credits that directly reduce monthly plan costs.
Lower-income Goldsboro households may qualify for a zero-dollar premium Silver plan after enhanced subsidies are applied, making comprehensive coverage available at no monthly cost.
Out-of-pocket maximums for 2026 ACA plans cap annual spending, protecting Goldsboro residents from catastrophic medical bills even when choosing a lower-premium Bronze plan.
Blue Cross NC is the sole ACA Marketplace carrier serving Goldsboro, North Carolina for 2026, offering a total of 14 plans across multiple coverage tiers to meet a wide range of health and budget needs. These plans are available through two PPO networks, Blue Advantage and Blue Care, each designed to connect Goldsboro residents with local and statewide providers at different levels of network breadth. Blue Advantage provides access to the largest nationwide PPO network, while Blue Care focuses on a robust statewide PPO network that keeps most North Carolina providers in-network for Goldsboro households. The choice between these two networks directly affects which doctors, specialists, and facilities are available to Goldsboro residents without out-of-network costs, making network selection a critical step in the enrollment process. Health Plans of NC licensed agents compare every available Blue Cross NC plan side by side at no cost, helping Goldsboro residents choose the right network and tier for their provider preferences and coverage goals.
Blue Cross NC, offering PPO plans through the Blue Advantage and Blue Care networks, with 14 total ACA Marketplace plans available to Goldsboro, North Carolina residents for 2026.
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, which opened eligibility to thousands of previously uninsured Goldsboro residents. Currently, 7.8 percent of Goldsboro residents, approximately 3,000 people, remain uninsured, and many may now qualify for Medicaid or heavily subsidized Marketplace coverage without being aware of their options. Children in families earning up to 210 percent of the federal poverty level may qualify for NC Health Choice, the state's CHIP program, providing low-cost coverage for kids across Wayne County. Health Plans of NC offers a free eligibility check for Goldsboro residents who want to find out whether they qualify for Medicaid, CHIP, or a subsidized Marketplace plan.
Working adults in Goldsboro earning at or below 138 percent of the federal poverty level now qualify for NC Medicaid expansion coverage with little to no cost.
Children in Goldsboro families with moderate incomes may qualify for NC Health Choice CHIP coverage, which provides comprehensive pediatric benefits at reduced cost.
Pregnant women in Goldsboro may qualify for Medicaid coverage that includes prenatal, delivery, and postpartum care through NC Medicaid, regardless of prior coverage status.
Goldsboro has a poverty rate of 20.8 percent, meaning a significant share of residents may be eligible for Medicaid or CHIP and benefit from a free eligibility review with Health Plans of NC.
Seniors and individuals with disabilities in Goldsboro who have low incomes may qualify for dual eligibility programs that combine Medicare and Medicaid benefits for more comprehensive coverage.
Health Plans of NC licensed agents serve Goldsboro, North Carolina residents at no cost, comparing every available 2026 plan side by side to find the right fit for your providers, prescriptions, and budget. Call 800-797-0327 today to get personalized guidance and complete your enrollment with an agent who knows the Goldsboro market.
Call 800-797-0327 (toll free) to speak with a licensed Health Plans of NC agent serving Goldsboro, North Carolina
Email [email protected] with questions about plans available in your zip code
Find a licensed agent and book directly at healthplansofnc.com/agents
No cost, no pressure. Compare every 2026 plan available in Goldsboro, North Carolina at no charge.
Goldsboro, North Carolina ZIP Codes include: 27530, 27531, 27532, 27533, and 27534
