Find Your Most Affordable Health Insurance Plan in Leland, North Carolina
in North Carolina
Brunswick County residents can compare 15 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 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 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 Brunswick County
Find affordable health insurance in Leland, North Carolina, NC with Health Plans of NC. Health Plans of NC helps Leland, North Carolina residents find and compare affordable health insurance options for 2026, with local expertise tailored to this Brunswick County community served by Novant Health Brunswick Medical Center.
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 |
Leland, North Carolina is a growing community of 26,307 residents, and while population growth has stabilized at 0.0% since 2020, the town continues to attract families and workers employed by major local employers including Brunswick County Schools, County of Brunswick, Walmart, Brunswick Community Hospital, and Duke Energy Progress. With 4.8% of residents being foreign-born, Health Plans of NC ensures coverage options are accessible and clearly explained for all community members. Residents have access to a broad range of health coverage types, from ACA Marketplace plans to employer-sponsored group benefits, all with connections to local health systems including Novant Health Brunswick Medical Center and Cape Fear Valley Health.
ACA Marketplace coverage is available to Leland residents who are not covered through an employer, providing access to plans that connect to Novant Health Brunswick Medical Center and Cape Fear Valley Health.
Medicaid coverage is available to qualifying low-income Leland residents following North Carolina's expansion, and workers at Brunswick Community Hospital or Walmart may also qualify depending on household size.
Employer-sponsored health insurance is a common coverage path for Leland residents working at major local employers such as Brunswick County Schools, County of Brunswick, and Duke Energy Progress.
Short-term health coverage can serve Leland residents who are between jobs or transitioning away from an employer like Walmart or Brunswick Community Hospital while they arrange permanent coverage.
COBRA continuation coverage allows Leland residents who recently left employment with a local employer to temporarily maintain their existing group health plan while they evaluate new options.
Small business SHOP Marketplace plans are available to Leland's independent business owners and small employers who want to offer group health benefits to their employees across Brunswick County.
For 2026, Leland, North Carolina residents can choose from plans under three Blue Cross NC network options, including Blue Advantage, Blue Care, and Blue Value, each offering a different level of provider access and flexibility across both zip codes 28451 and 28479. Blue Advantage and Blue Care are PPO-type networks that allow members to access a broad range of in-network providers, while Blue Value is an HMO network designed for residents who prefer a value-focused structure with lower monthly premiums. All three networks provide access to care at regional health facilities serving the Leland area, making it important for residents to verify that their preferred providers participate in the network they select.
Blue Advantage, a PPO network, offers the largest nationwide provider access and connects Leland residents to over 95% of North Carolina doctors in-network, including specialists serving Brunswick County.
Blue Care, a PPO network, provides broad statewide coverage with over 92% of North Carolina doctors in-network, giving Leland residents flexibility to see a wide range of local and regional providers.
Blue Value, an HMO network, is a value-focused option with lower monthly premiums, designed for Leland residents who are comfortable coordinating care through a primary care physician within a defined network.
PPO plans under Blue Advantage and Blue Care allow Leland residents to see specialists without a referral, offering greater flexibility for those who receive care at multiple facilities in the region.
HMO plans under Blue Value require members to select a primary care physician and obtain referrals for specialist care, which can result in lower out-of-pocket costs for Leland residents who use in-network services consistently.
All 2026 plans across Blue Advantage, Blue Care, and Blue Value cover the ten essential health benefits mandated by the ACA, including preventive care, emergency services, prescription drugs, and mental health coverage.
Bronze plans in Leland, North Carolina start at approximately $482.73/month before subsidies. Silver plans start at $620.43/month. Gold plans start at $641.58/month. With a median household income of $88,576, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Leland start at $482.73 per month for a 35-year-old before subsidies, offering the lowest premiums with higher deductibles for residents who want protection against major medical expenses.
Silver plans start at $620.43 per month before subsidies and are often the best value for Leland residents who qualify for cost-sharing reductions, which are only available on Silver-tier plans.
Gold plans start at $641.58 per month before subsidies and provide the lowest deductibles and out-of-pocket costs, making them well-suited for residents with regular healthcare needs.
Leland residents with household incomes below four times the federal poverty level may qualify for premium tax credits that reduce monthly costs across Bronze, Silver, and Gold plans.
Residents with incomes near 100% to 150% of the federal poverty level may qualify for enhanced subsidies that reduce Silver plan premiums to as low as $0 per month under current federal enhancements.
Out-of-pocket maximums for 2026 ACA plans cap the total annual costs a Leland resident pays for covered in-network services, providing financial protection regardless of which tier is selected.
For 2026, Blue Cross NC is the sole ACA Marketplace carrier serving Leland, North Carolina, offering a total of 15 plans across Rating Area 9 through three distinct plan networks: Blue Advantage, Blue Care, and Blue Value. Blue Advantage and Blue Care are PPO-type networks offering broad provider flexibility, while Blue Value is an HMO network structured around coordinated, cost-efficient care for Leland residents. The network a Leland resident selects directly determines which local and regional hospitals, primary care physicians, and specialists are accessible at in-network rates, making the choice of network just as important as the choice of metal tier. Residents who select a plan with a narrower network should confirm that their preferred providers, including those affiliated with health systems serving the Leland area, participate before enrolling. Health Plans of NC compares all 15 available Blue Cross NC plans side-by-side at no cost to help Leland residents make the most informed decision for their health and budget.
Blue Cross NC, the only ACA Marketplace carrier in Leland, North Carolina for 2026, offers 15 plans across PPO and HMO network types in Rating Area 9, including Blue Advantage PPO, Blue Care PPO, and Blue Value HMO options.
North Carolina expanded Medicaid in December 2023, and Leland residents earning up to 138% of the federal poverty level may now qualify for free or very low-cost comprehensive coverage through the state program. With an uninsured rate of 6.1% in Leland, representing approximately 2,000 residents currently without coverage, many individuals in this community may already be eligible for Medicaid or CHIP benefits and have not yet enrolled. Children in families earning up to 210% of the federal poverty level may qualify for NC Health Choice, the state's CHIP program, providing low-cost coverage for Leland's youngest residents. Health Plans of NC offers free eligibility checks so Leland residents can quickly find out whether they or their family members qualify for Medicaid, CHIP, or ACA Marketplace coverage.
Working adults in Leland who earn low to moderate wages and do not have access to affordable employer coverage may qualify for Medicaid following North Carolina's 2023 expansion.
Children in Leland whose families earn up to 210% of the federal poverty level may qualify for NC Health Choice, offering comprehensive pediatric coverage at little to no cost.
Pregnant women in Leland may qualify for Medicaid with a higher income threshold than the standard adult limit, ensuring access to prenatal and delivery care through local health systems.
Leland seniors with low income may qualify for both Medicare and Medicaid simultaneously, commonly referred to as dual eligibility, which can eliminate most out-of-pocket healthcare costs.
Leland residents living with disabilities may qualify for Medicaid regardless of age, and with a poverty rate of 5.8% in the community, a meaningful share of residents may be eligible for assistance they have not yet claimed.
Health Plans of NC licensed agents serve Leland, North Carolina residents at no cost, comparing all available 2026 plans side-by-side to match each person with the right coverage for their needs and budget. Call 800-797-0327 today to speak with a local agent who can guide you through enrollment and ensure you never pay more than necessary for your health insurance.
Call 800-797-0327 (toll free) to speak with a licensed Health Plans of NC agent serving Leland, 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 Leland, North Carolina at no charge.
Leland, North Carolina ZIP Codes include: 28451
