Find Your Most Affordable Health Insurance Plan in Jacksonville, North Carolina
in North Carolina
Onslow County residents can compare 15 health insurance options for 2026.
Blue Value is a good fit if you are flexible about which doctors you see – or if your doctor or hospital is part of this smaller network. The network is statewide, making it easy to get in-network care if you travel or have a child away at college within North Carolina.
Limited statewide network for savings
Network includes, but is not limited to, Atrium Health Wake Forest Baptist, CaroMont Health, Duke LifePoint Healthcare, Novant Health and UNC Health Alliance.
The following doctor/hospital networks are considered out-of-network for Blue Value: Atrium Health (not including Atrium Health Wake Forest Baptist), Duke Health and WakeMed. Out-of-state providers are also out-of-network. 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 covered services will be covered at the out-of-network benefit level.
Blue Value is available on and off Marketplace to residents of these North Carolina counties: Alexander, Brunswick, Burke, Caldwell, Catawba, Cleveland, Columbus, Duplin, Gaston, Iredell, Lincoln, New Hanover, Onslow, Pender, and Surry.
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 Onslow County
Find affordable health insurance in Jacksonville, North Carolina, NC with Health Plans of NC. Health Plans of NC helps Jacksonville, North Carolina residents find the right health insurance coverage, whether they are connected to Camp Lejeune and MCAS New River or working for Onslow County Schools. Our licensed agents guide Jacksonville families through every available plan option at no cost, making the enrollment process straightforward and stress-free.
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 Value | HMO | Value-focused HMO with lower premiums |
Jacksonville, North Carolina is home to 73,507 residents and has seen stable population growth of 0.0 percent since 2020, reflecting a community that is established and deeply rooted around major employers such as Camp Lejeune, MCAS New River, the Marine Corps Exchange, Onslow County Schools, Walmart, and the County of Onslow. With 6.0 percent of residents born outside the United States, coverage options must serve a diverse population with varying healthcare needs, all supported by local health systems including Onslow Memorial Hospital and Naval Hospital Camp Lejeune. From ACA Marketplace plans to military-connected programs, Jacksonville residents have a wide range of coverage pathways available to them.
ACA Marketplace coverage provides Jacksonville residents with individual and family plans that connect to local providers at Onslow Memorial Hospital and Naval Hospital Camp Lejeune.
Medicaid coverage is available to eligible low-income Jacksonville and Onslow County residents following North Carolina's Medicaid expansion, supporting families throughout the region.
Employer-sponsored health plans are offered by major Jacksonville employers including Onslow County Schools, the County of Onslow, and the Marine Corps Exchange, covering a large share of the local workforce.
TRICARE and military health programs serve active-duty personnel and their families stationed at Camp Lejeune and MCAS New River, with care provided through Naval Hospital Camp Lejeune.
COBRA continuation coverage allows Jacksonville residents who leave employment with local employers such as Walmart or Onslow County Schools to temporarily maintain their existing group health benefits.
Small business SHOP Marketplace plans are available to Jacksonville's independent business owners and small employers who want to offer group coverage and access potential federal tax credits.
For 2026, Jacksonville, North Carolina residents can choose from plans under three Blue Cross NC networks, including PPO and HMO structures, each designed to connect enrollees with local providers at facilities such as Onslow Memorial Hospital. Blue Advantage and Blue Care offer PPO flexibility, while Blue Value provides an HMO option with lower premiums for those comfortable with a more structured care model. Each network has distinct coverage breadth across North Carolina, so selecting the right plan type directly shapes which specialists and hospital services are available in-network.
Blue Advantage, a PPO network, gives Jacksonville residents access to the largest nationwide provider network, covering more than 95 percent of North Carolina doctors and connecting to Onslow Memorial Hospital.
Blue Care, a PPO network, offers broad statewide coverage reaching more than 92 percent of North Carolina doctors, providing Jacksonville families with strong access to local and regional specialists.
Blue Value, an HMO network, delivers value-focused coverage with lower monthly premiums, making it a practical choice for Jacksonville residents who prefer coordinated care through a primary care physician.
PPO plans under Blue Advantage and Blue Care allow Jacksonville residents to see out-of-network providers at a higher cost, offering flexibility when seeking specialized care beyond Onslow Memorial Hospital.
HMO coverage under Blue Value requires care to be coordinated through an in-network primary care provider, which can streamline referrals to specialists within the Jacksonville area.
All three networks cover the 10 ACA-required essential health benefits, including emergency services, prescription drugs, preventive care, and mental health treatment for Jacksonville enrollees.
Bronze plans in Jacksonville, North Carolina start at approximately $439.77/month before subsidies. Silver plans start at $576.48/month. Gold plans start at $604.90/month. With a median household income of $54,069, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Jacksonville, North Carolina start at $439.77 per month for a 35-year-old, offering the lowest monthly premiums with higher deductibles for those who want protection against major medical events.
Silver plans begin at $576.48 per month and are the only tier eligible for cost-sharing reductions, which lower deductibles and copays for qualifying Jacksonville residents.
Gold plans start at $604.90 per month and provide lower out-of-pocket costs throughout the year, making them well suited for Jacksonville residents who use medical services frequently.
Premium tax credits are available to Jacksonville residents earning between 100 and 400 percent of the federal poverty level, and enhanced subsidies extend savings to many households near the city median income of $54,069.
Some Jacksonville residents with incomes just above the Medicaid threshold may qualify for a zero-dollar-premium Silver plan after tax credits are applied, making comprehensive coverage essentially free.
Out-of-pocket maximums on ACA plans cap annual cost exposure for Jacksonville enrollees, providing financial protection against unexpected high-cost care at local hospitals and specialty providers.
Blue Cross NC is the ACA Marketplace carrier serving Jacksonville, North Carolina for 2026, offering a total of 15 individual and family health insurance plans within Rating Area 11. These plans are available across three distinct networks, Blue Advantage, Blue Care, and Blue Value, spanning PPO and HMO plan structures to give Jacksonville residents meaningful flexibility in how they access care. Blue Advantage connects enrollees to the largest nationwide provider network, Blue Care delivers broad statewide PPO access, and Blue Value provides an HMO option with value-focused premiums, all with connections to Jacksonville-area healthcare providers. The network a Jacksonville resident selects determines which local facilities, primary care physicians, and specialists are available in-network, making this decision consequential for everyday healthcare access. Health Plans of NC compares every available Blue Cross NC plan side by side at no cost to Jacksonville residents, ensuring each family or individual finds the coverage that best fits their needs.
Blue Cross NC, offering PPO plans under Blue Advantage and Blue Care networks and HMO plans under Blue Value, with 15 total plans available in Jacksonville, North Carolina for 2026.
North Carolina expanded Medicaid in December 2023, making low-income adults in Jacksonville eligible for free or low-cost coverage if their household income is at or below 138 percent of the federal poverty level. Currently, 10.4 percent of Jacksonville residents, approximately 8,000 people, are uninsured, and many may qualify for Medicaid or subsidized Marketplace coverage without realizing it. 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 comprehensive coverage for thousands of young Jacksonville residents. Health Plans of NC offers free eligibility checks for all programs, helping Jacksonville families determine the best coverage pathway in a single no-cost consultation.
Working adults in Jacksonville earning at or below 138 percent of the federal poverty level now qualify for NC Medicaid following the December 2023 expansion, opening coverage to many previously uninsured residents.
Children in Jacksonville families can access NC Health Choice (CHIP) if household income falls at or below 210 percent of the federal poverty level, providing affordable pediatric coverage including dental and vision benefits.
Pregnant women in Jacksonville may qualify for Medicaid coverage with higher income thresholds than standard adult Medicaid, ensuring prenatal and delivery care is accessible throughout Onslow County.
With a poverty rate of 13.5 percent in Jacksonville, North Carolina, a substantial share of residents may be eligible for no-cost Medicaid coverage and are encouraged to verify their status with Health Plans of NC.
Seniors and individuals with disabilities in Jacksonville with limited income may qualify for dual Medicaid and Medicare coverage, reducing out-of-pocket costs for prescription drugs and long-term care services.
Health Plans of NC licensed agents serve Jacksonville, North Carolina residents at absolutely no cost, comparing every available 2026 plan side by side to find the right fit for each individual or family's health needs and budget. Call us today at 800-797-0327 to get personalized guidance, confirm your subsidy or Medicaid eligibility, and enroll in coverage with confidence.
Call 800-797-0327 (toll free) to speak with a licensed Health Plans of NC agent serving Jacksonville, North Carolina
Email [email protected] with questions about plans available in your zip code
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Jacksonville, North Carolina ZIP Codes include: 28540, 28541, and 28546
