Find Your Most Affordable Health Insurance Plan in Wilson, North Carolina
in North Carolina
Wilson County residents can compare 16 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 Wilson County
Find affordable health insurance in Wilson, North Carolina, NC with Health Plans of NC. Health Plans of NC helps Wilson, North Carolina residents find affordable, ACA-compliant health coverage for 2026, with access to plans that connect directly to local care at UNC Health Wilson and ECU Health. Whether you are shopping for individual coverage, family plans, or small business options, our licensed agents guide you through every available plan at no cost.
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 |
Wilson, North Carolina is home to 47,740 residents and has experienced flat population growth of 0.0% since 2020, meaning coverage needs across the community have remained steady while plan options have continued to expand. The city's workforce includes employees of major employers such as Bridgestone Americas, Wilson County Schools, S.T. Wooten Corporation, Truist Bank, and the County of Wilson, each offering different levels of employer-sponsored benefits that leave many workers seeking individual marketplace coverage. With 6.1% of Wilson residents being foreign-born, Health Plans of NC also assists residents navigating coverage options in multiple languages through local health systems including UNC Health Wilson and ECU Health.
ACA Marketplace coverage is available to Wilson residents who are not covered through an employer, offering plans that connect to local care at UNC Health Wilson and ECU Health.
Medicaid provides free or low-cost coverage to qualifying low-income Wilson residents, including many who work part-time for employers like the County of Wilson or Wilson County Schools.
Employer-sponsored insurance is offered by major Wilson employers such as Bridgestone Americas and Truist Bank, covering a significant portion of the local workforce and their dependents.
Short-term health plans offer temporary coverage for Wilson residents between jobs or transitioning away from employers like S.T. Wooten Corporation before the next open enrollment period.
COBRA continuation coverage allows Wilson residents who recently left jobs at local employers to maintain their existing plan for a limited period while they explore permanent options.
Small business SHOP Marketplace plans are available to Wilson small business owners who want to offer group health benefits to their employees and access potential federal tax credits.
For 2026, Wilson, North Carolina residents can choose from ACA Marketplace plans offered through two Blue Cross NC plan networks, Blue Advantage and Blue Care, both structured as PPO plans that allow members broad access to physicians, specialists, and hospital facilities in the area. Blue Advantage provides the widest nationwide PPO reach with over 95% of North Carolina doctors in-network, while Blue Care offers a broad statewide PPO network covering more than 92% of North Carolina providers, both connecting Wilson residents to care at local health systems. Health Plans of NC helps Wilson residents compare both networks side by side to ensure their preferred local providers are in-network before they enroll.
Blue Advantage, a PPO network, covers over 95% of North Carolina doctors in-network and connects Wilson residents to local hospitals and health systems across the region.
Blue Care, a PPO network, covers over 92% of North Carolina providers in-network and gives Wilson residents broad statewide access to physicians, specialists, and facilities.
Both Blue Advantage and Blue Care PPO plans allow Wilson residents to seek care at local health systems without needing a referral to see a specialist.
Blue Advantage's nationwide PPO reach is especially valuable for Wilson residents who travel frequently or receive specialized care outside of North Carolina.
Blue Care's broad statewide PPO network ensures that Wilson residents have strong in-network access to primary care physicians and pediatricians throughout Wilson County.
Health Plans of NC agents verify in-network provider status for both Blue Advantage and Blue Care plans so Wilson residents can confirm local provider access before enrolling.
Bronze plans in Wilson, North Carolina start at approximately $443.10/month before subsidies. Silver plans start at $569.49/month. Gold plans start at $588.91/month. With a median household income of $47,294, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Wilson, North Carolina start at $443.10 per month for a 35-year-old before premium tax credits are applied, offering the lowest monthly premiums with higher deductibles.
Silver plans in Wilson, North Carolina start at $569.49 per month before subsidies and are the only tier eligible for cost-sharing reductions that lower deductibles and copayments.
Gold plans in Wilson, North Carolina start at $588.91 per month before tax credits and offer lower out-of-pocket costs for residents who use medical services frequently throughout the year.
Wilson residents with incomes between 100% and 400% of the federal poverty level are likely eligible for ACA premium tax credits that reduce monthly plan costs substantially.
Enhanced federal subsidies may allow qualifying Wilson households near the median income of $47,294 to access Silver-tier plans at reduced or even $0 monthly premiums.
Out-of-pocket maximums for 2026 ACA plans cap annual spending, protecting Wilson residents from catastrophic medical bills even on lower-tier Bronze and Silver plans.
For 2026, Blue Cross NC is the ACA Marketplace carrier serving Wilson, North Carolina, offering a total of 16 plans across Rating Area 2 for individuals and families. These 16 plans are available through two PPO networks, Blue Advantage and Blue Care, giving Wilson residents a choice between the broadest nationwide provider access and a comprehensive statewide network. Blue Advantage connects Wilson residents to over 95% of North Carolina doctors and facilities including local health systems, while Blue Care provides access to over 92% of statewide providers with strong local coverage. The choice between these two networks directly affects which local physicians, specialists, and hospitals Wilson residents can access at in-network cost-sharing rates. Health Plans of NC compares every Blue Cross NC plan side by side at no cost to Wilson residents, reviewing premiums, deductibles, and network fit before enrollment.
Blue Cross NC, PPO plans through Blue Advantage and Blue Care networks, 16 total ACA Marketplace plans available in Wilson, North Carolina for 2026.
North Carolina expanded Medicaid in December 2023, extending free or low-cost coverage to adults earning up to 138% of the federal poverty level, which opened eligibility to thousands of Wilson residents who previously had no affordable coverage option. Currently, 13.7% of Wilson residents, approximately 7,000 people, remain uninsured, and many of them may now qualify for Medicaid or other subsidized coverage under the expanded program. Children in families earning up to 210% of the federal poverty level may qualify for NC Health Choice, the state's CHIP program, which provides low-cost health coverage for kids in Wilson County. Health Plans of NC offers free eligibility checks for Medicaid and CHIP so Wilson families can quickly find out whether they qualify at no cost.
Working adults in Wilson who are employed part-time or in lower-wage jobs may qualify for Medicaid under North Carolina's December 2023 expansion at no premium cost.
Children in Wilson families with moderate incomes may qualify for NC Health Choice CHIP coverage, which provides affordable pediatric care throughout Wilson County.
Pregnant women in Wilson, North Carolina may qualify for Medicaid coverage that includes prenatal care, labor and delivery, and postpartum services at little to no cost.
Wilson's poverty rate of 25.1% means that roughly one in four residents may meet the income threshold for Medicaid or other low-cost public coverage programs.
Seniors and individuals with disabilities in Wilson with limited income may qualify for dual-eligible status, receiving both Medicaid and Medicare benefits to minimize out-of-pocket costs.
Health Plans of NC licensed agents serve Wilson, North Carolina residents at absolutely no cost, comparing every available 2026 ACA Marketplace plan side by side and guiding you through the full enrollment process. Call us today at 800-797-0327 to get personalized plan recommendations and find out exactly how much you can save with available subsidies.
Call 800-797-0327 (toll free) to speak with a licensed Health Plans of NC agent serving Wilson, 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 Wilson, North Carolina at no charge.
Wilson, North Carolina ZIP Codes include: 27893, 27894, 27895, and 27896
