Find Your Most Affordable Health Insurance Plan in Alamance County
in North Carolina
Nationwide (BlueCard®)
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 in all North Carolina counties, except the following where it is available only off Marketplace: Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Orange, Person, and Wake.
Triangle area
Blue Home with UNC Health Alliance is a Blue Cross NC plan built around UNC Health's provider network, including more than 1,900 primary care providers, UNC Medical Center (nationally ranked in 4 adult and 9 pediatric specialties by U.S. News & World Report), and UNC Rex Hospital (rated high-performing in 1 adult specialty and 21 adult procedures and conditions).
Like the other Blue Home plans, this is a single-system regional network offered at a lower premium than broad-network options — only UNC Health Alliance providers are in-network. We recommend it for Triangle-area residents who already rely on a UNC Health doctor, especially for complex or pediatric care.
Good fit if you have an ongoing relationship with a UNC Health specialist, especially for a complex or chronic condition, prefer pediatric care coordinated through UNC's academic health system, or live in one of the eligible Triangle-area counties.
Poor fit if your regular doctors are with Cone Health, Duke Health, or WakeMed — all three are out-of-network here.
Regional network – Triangle area
Network: UNC Health Alliance only1 (incl. UNC Medical Center).2
Out-of-area care: Emergency / urgent only.
Offered in Bronze, Silver, and Gold tiers.
Notes
Blue Cross NC has collaborated with UNC Health to bring you Blue Home with UNC Health Alliance. Blue Home with UNC Health Alliance is a health insurance plan offered by Blue Cross NC that provides access to a limited network of providers. UNC Health is an independent company that is solely responsible for the physicians and medical facilities it owns and operates. UNC Health does not offer Blue Cross or Blue Shield products or services.
UNC Health, www.unchealthcare.org/health-alliance/ (Accessed August 2024).
U.S. News and World Report, www.usnews.com/best-hospitals/area/nc/university-of-north-carolina-hospitals-6360260 (Accessed August 2024).
U.S. News and World Report, www.usnews.com/best-hospitals/area/nc/rex-healthcare-6361210 (Accessed August 2024).
Blue Home with UNC Health Alliance is available on and off Marketplace to residents of these North Carolina counties: Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Nash, Orange, Person, and Wake.
This plan is built around a single system, UNC Health Alliance, which keeps the premium lower than Blue Cross NC's broad-network plans. Only UNC Health Alliance providers are in-network — outside of emergency and urgent care, Duke Health and WakeMed are not covered, even though both operate in the same Triangle-area counties.
The network includes more than 1,900 primary care providers, UNC Medical Center — nationally ranked in four adult and nine pediatric specialties by U.S. News & World Report — and UNC Rex Hospital, rated high-performing in one adult specialty and 21 adult procedures and conditions.
For members managing a complex or chronic condition, or families needing pediatric specialty care, having that care coordinated through one academic health system is often the main draw of this plan over a broader but less integrated network.
The lower premium is the trade-off for narrowing to one system. It's offered in Bronze, Silver, and Gold tiers, and most applicants qualify for a premium tax credit based on income and household size.
This plan is available across 11 Triangle-area counties, including Wake, Durham, and Orange. If your doctors are with Duke Health or WakeMed instead, this plan won't cover them outside of an emergency.
You can enroll during the annual Open Enrollment Period (November 1 – January 15) or during a Special Enrollment Period if you've had a qualifying life event — a job change, a move, a new dependent, or losing other coverage.
A licensed Health Plans of NC agent can confirm your UNC Health providers are in-network, check your subsidy, and compare this plan against Blue Advantage and Blue Care — at no cost. Call 800-797-0327.
Yes — UNC Medical Center, nationally ranked by U.S. News & World Report in several adult and pediatric specialties, is part of this network, along with more than 1,900 primary care providers across the Triangle.
No. Duke Health and WakeMed are out-of-network on Blue Home with UNC Health Alliance, along with their affiliated providers. If your regular doctors are with Duke or WakeMed, this isn’t the right plan.
No. UNC Health is an independent company solely responsible for its physicians and facilities. Blue Cross NC partners with UNC Health to offer this plan design, but UNC Health does not sell Blue Cross or Blue Shield products.
Every Blue Cross NC individual plan comes in three “metal” tiers that describe how you and the plan split covered costs. Bronze plans have the lowest monthly premium but pay about 60% of covered costs, so you pay roughly 40% when you use care. Silver plans pay about 70% (you pay ~30%), and Gold plans pay about 80% (you pay ~20%) in exchange for a higher premium.
As a rule of thumb: Bronze suits people who rarely use care and want the lowest premium, Gold suits people who use regular or ongoing care, and Silver is the middle ground. Silver is also the only tier that unlocks Cost-Sharing Reductions (CSRs) — extra savings on deductibles and copays if your income qualifies — so many subsidy-eligible shoppers get the best overall value from a Silver plan. A licensed Health Plans of NC agent can run the numbers for your situation at no cost.
The most important step before choosing any plan is confirming your doctors, specialists, and preferred hospitals are in that plan’s network. Networks differ a lot between Blue Cross NC plans — a doctor who is in-network on one plan may be out-of-network, and far more expensive, on another.
You can check each plan’s provider directory on bcbsnc.com, or — the easier route — call a Health Plans of NC agent at 800-797-0327 and we’ll verify your specific providers before you enroll, at no charge.
Most North Carolinians who buy their own coverage qualify for a premium tax credit — a subsidy based on your income and household size that lowers what you pay each month. Subsidy amounts and eligibility rules can change from year to year, so the only way to know your real price is to run a personalized quote.
Health Plans of NC can check your subsidy eligibility and show you the after-subsidy premium for any of these plans for free. Call 800-797-0327 or request a quote online.
You can enroll during the annual Open Enrollment Period, which runs each fall (generally starting November 1) for coverage that begins the following year. Outside that window, you can still enroll if you have a qualifying life event — such as losing other coverage, moving, marriage, or having a baby — which opens a 60-day Special Enrollment Period.
Because enrollment dates and rules can change, it’s worth confirming the current deadline. A Health Plans of NC agent can tell you whether you’re eligible to enroll right now — call 800-797-0327.
Nothing. Health Plans of North Carolina is an independent, authorized agency licensed to sell Blue Cross NC plans, and our help — comparing plans, checking your doctors, estimating subsidies, and enrolling — is completely free to you. Agents are paid by the insurance company, and the plan price is the same whether you enroll with us or on your own.
Call 800-797-0327 to talk with a licensed local agent.
| Carrier | Distinct plans |
|---|---|
| Blue Cross and Blue Shield of NC | 9 |
| UnitedHealthcare | 13 |
| AmeriHealth Caritas Next | 8 |
| Oscar Health Plan of North Carolina | 8 |
| Cigna Healthcare | 7 |
| Total | 45 |
Source: CMS QHP Landscape PY2026, Individual Market Medical, updated August 26, 2026 (data.healthcare.gov). Counts distinct Plan IDs offered on the Marketplace in Alamance County, once per carrier.
in North Carolina
Find affordable health insurance in Alamance County, NC with Health Plans of NC. Health Plans of NC helps individuals and families in Alamance County find Blue Cross NC health insurance plans that work with local providers like Cone Health Alamance Regional Medical Center, with free, personalized guidance from licensed agents who specialize in this county.
Plan Network | Type | Network Coverage |
|---|---|---|
Blue Advantage | PPO | Largest nationwide network, 95%+ of NC doctors in-network (off-Marketplace only) |
Blue Home with UNC Health Alliance | EPO | UNC Health hospitals and affiliated providers |
Alamance County is home to 186,177 residents (U.S. Census Bureau PEP, July 2025), including 9.5 percent who are foreign-born (U.S. Census Bureau ACS), creating a wide range of health coverage needs across Burlington and the surrounding communities. Major employers including the Alamance-Burlington School System, LabCorp, United Parcel Service, Alamance Regional Medical Center, and Walmart mean that residents arrive at coverage decisions from many different starting points. Health systems serving the county, including Cone Health Alamance Regional Medical Center, UNC Hospitals, and Duke University Hospital, make provider network alignment a key factor in choosing the right type of plan.
ACA Marketplace coverage is available to residents who are not covered through a large employer like LabCorp or the Alamance-Burlington School System and need to purchase an individual or family plan on their own.
Medicaid serves low-income Alamance County residents, including those who receive primary and specialty care at Cone Health Alamance Regional Medical Center and affiliated community health providers in Burlington.
Employer-sponsored insurance is the main source of coverage for workers at large local employers such as United Parcel Service, Walmart, and the Alamance-Burlington School System, who receive group health benefits through their jobs.
Short-term health plans offer temporary coverage for Alamance County residents who are between jobs or waiting for benefits to begin, such as workers transitioning between positions at employers like LabCorp.
COBRA continuation coverage allows employees who leave positions at Alamance County employers such as Alamance Regional Medical Center to temporarily keep their existing group health benefits by paying the full premium themselves.
Small business SHOP plans through the ACA Marketplace are an option for Alamance County small business owners who want to offer employees access to providers at Cone Health Alamance Regional Medical Center and other local facilities.
For 2026, Blue Cross NC plans in Alamance County are built around two distinct network types: Blue Home with UNC Health Alliance, an EPO that uses the local UNC Health Alliance network and needs no referrals before seeing specialists, and Blue Advantage, a PPO available only off the ACA Marketplace that lets you see specialists without a referral. Residents who regularly use Cone Health Alamance Regional Medical Center, UNC Hospitals, or Duke University Hospital should confirm that their preferred facility is listed as in-network before enrolling, because network choice directly affects both access and what you pay out of pocket. A full table of every available 2026 Blue Cross NC plan, including plan names, types, and premiums, is displayed on this page for easy side-by-side comparison.
Blue Home with UNC Health Alliance routes specialty and inpatient care through UNC Hospitals in Chapel Hill, giving members a focused local network that can help coordinate complex or ongoing treatment, with no referrals needed to see specialists.
Blue Advantage is available only off the ACA Marketplace, meaning you must enroll directly outside of Healthcare.gov to access this broader network option.
Blue Advantage connects members to more than 95 percent of North Carolina doctors as in-network providers (BCBSNC plan documents 2026), including Duke University Hospital and its affiliated specialists.
EPO members enrolled in Blue Home with UNC Health Alliance can choose a primary care provider to help coordinate care, which can simplify ongoing care management for chronic conditions, and no referrals are needed to see specialists within the UNC Health Alliance network.
Alamance County residents who regularly visit Cone Health Alamance Regional Medical Center should verify that their chosen network lists that specific facility at in-network cost-sharing rates before finalizing their plan selection.
Bronze plans in Alamance County start at approximately $491.92/month before subsidies. With a median household income of $65,651, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans start at $491.92 per month for a 35-year-old individual in Alamance County (BCBSNC plan documents 2026); residents older than 35 will pay higher premiums based on ACA age-rating rules.
Silver plans start at $644.87 per month for a 35-year-old individual (BCBSNC plan documents 2026) and are the only metal tier eligible for cost-sharing reductions, which lower deductibles and out-of-pocket maximums for qualifying households.
Gold plans start at $669.68 per month for a 35-year-old individual (BCBSNC plan documents 2026) and offer lower out-of-pocket costs at the point of care, making them a strong fit for residents who use medical services frequently.
Households with income between 100 percent and 150 percent of the federal poverty level may qualify for a Silver plan with a zero-dollar monthly premium after premium tax credits are applied.
The ACA out-of-pocket maximum for 2026 is $9,200 for an individual and $18,400 for a family, capping your annual costs even on lower-metal-tier plans no matter how many services you use.
Because ACA premiums are age-rated, a 55-year-old in Alamance County will pay meaningfully more than the 35-year-old benchmark prices shown above, making an accurate subsidy calculation especially important for older residents approaching Medicare eligibility.
Five carriers offer 45 ACA Marketplace plans in Alamance County for 2026 (CMS 2026): AmeriHealth Caritas, Blue Cross NC, Cigna, Oscar Health, and UnitedHealthcare. Health Plans of NC is an authorized Blue Cross NC agency and features Blue Cross NC plans on this page as its specialty, but licensed agents can also help you compare and enroll in plans from any of these carriers through Health Sherpa at no cost to you. Blue Cross NC offers 9 plans on the Marketplace, plus Blue Advantage plans off the Marketplace, in Alamance County for 2026 (CMS 2026) across two networks, Blue Advantage and Blue Home with UNC Health Alliance, connecting enrollees to a wide range of providers serving Burlington and the broader county. Residents comparing all available options are welcome to contact Health Plans of NC for guidance on any carrier or plan available in their zip code.
AmeriHealth Caritas brings a focus on coordinated care for lower-income populations and participates in Medicaid managed care plans in North Carolina, including coverage for Alamance County residents.
Blue Cross NC provides 9 plans on the Marketplace, plus Blue Advantage plans off the Marketplace, across two network types in Alamance County for 2026 (CMS 2026), including the off-Marketplace Blue Advantage PPO with access to more than 95 percent of NC doctors (BCBSNC plan documents 2026).
Cigna offers ACA Marketplace plans in Alamance County with a national PPO-style network that may appeal to residents who travel frequently or need access to out-of-state specialists.
Oscar Health offers ACA Marketplace plans in Alamance County and is known for virtual primary care access and app-based member tools that support on-demand care coordination.
UnitedHealthcare offers ACA Marketplace plans in Alamance County through its broad national provider network, which can be an option for residents who want extensive out-of-area coverage.
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 and opening eligibility to thousands of Alamance County residents who previously lacked an affordable option. Currently, 10.2 percent of Alamance County residents are uninsured, representing approximately 18,000 people (U.S. Census Bureau ACS), many of whom may now qualify for Medicaid or subsidized Marketplace coverage but have not yet enrolled. Children in families earning up to 210 percent of the federal poverty level may qualify for NC Health Choice, the state's Children's Health Insurance Program, providing comprehensive low-cost coverage when private market premiums are out of reach. Health Plans of NC offers free eligibility checks and can help you determine whether you qualify for Medicaid, CHIP, or a Marketplace plan.
Working adults in Alamance County who recently lost job-based coverage may qualify for full Medicaid benefits at no monthly premium cost if their income falls at or below the expanded eligibility threshold.
Children under age 19 whose family income falls between standard Medicaid levels and 210 percent of the federal poverty level may qualify for NC Health Choice, which offers low monthly premiums and comprehensive pediatric benefits.
Pregnant individuals in Alamance County qualify for Medicaid under a higher income threshold than the standard adult limit, covering prenatal, delivery, and postpartum care throughout the county.
Residents with qualifying disabilities may be eligible for Medicaid regardless of age, covering long-term services, specialty care, and behavioral health treatment at little or no cost.
With a poverty rate of 13.4 percent in Alamance County (U.S. Census Bureau ACS), a significant share of residents may qualify for Medicaid or CHIP at no cost and are encouraged to verify their eligibility as soon as possible.
5 carriers offer ACA Marketplace plans in Alamance County for 2026 (CMS 2026), including AmeriHealth Caritas, Cigna, Oscar Health, UnitedHealthcare, and Blue Cross NC. Health Plans of NC features Blue Cross NC plans and can help residents enroll in any carrier through Health Sherpa.
Alamance County has 186,177 residents as of July 2025 (U.S. Census Bureau PEP 2025). Median household income is $65,651 (U.S. Census Bureau ACS 2024).
Bronze plans start at approximately $491.92/month for a 35-year-old individual (BCBSNC plan documents 2026).
Residents earning between 100% and 400% of the federal poverty level may qualify for premium tax credits that lower monthly costs.
All ACA plans cover the 10 essential health benefits including preventive care, emergency services, prescriptions, and mental health.
Health Plans of NC licensed agents serve Alamance County residents at no cost, specializing in Blue Cross NC ACA Marketplace plans and guiding you through every step of enrollment from plan comparison to confirmation. Call 800-797-0327 today to speak with a licensed agent who can match you with the Blue Cross NC plans available in your zip code based on your providers, your budget, and your family's needs.
Call 800-797-0327 (toll free) or 704-303-8256 to speak with a licensed agent and schedule a free telephone appointment
Email [email protected] with questions about plans available in Alamance County
Find a licensed agent and book directly at healthplansofnc.com/agents
No cost, no pressure. Health Plans of NC agents work for you, not the carrier.
Plan availability, premiums, deductibles, provider networks, and county demographics for Alamance County are sourced from CMS Marketplace Public Use Files, Blue Cross and Blue Shield of North Carolina plan documents, the North Carolina Department of Insurance (NCDOI/SHIIP), and the U.S. Census Bureau American Community Survey. Content is reviewed after annual CMS releases and Open Enrollment periods.
CMS Marketplace Public Use Files — Rate PUF, Service Area PUF, Plan Attributes PUF (2026)
Blue Cross and Blue Shield of North Carolina Plan Documents (2026)
North Carolina Department of Insurance (NCDOI/SHIIP)
U.S. Census Bureau — American Community Survey (ACS)
North Carolina Department of Health and Human Services (NC Medicaid)
NC Department of Commerce — QCEW Largest Employers by County (2025)
Local health system and hospital provider directories
Plan details can change. Always verify the most current information directly with a licensed Health Plans of NC agent or the plan carrier before enrolling.
Hospital | Address | Phone |
|---|---|---|
Chatham Hospital | 475 Progress Blvd, Siler City, NC 27344 | (919) 799-4000 |
Cone Health Alamance Regional Medical Center | 1240 Huffman Mill Rd, Burlington, NC 27215 | (336) 538-7000 |
Cone Health Annie Penn Hospital | 618 S Main St, Reidsville, NC 27320 | (336) 951-4000 |
Cone Health Behavioral Health | 700 Walter Reed Dr, Greensboro, NC 27403 | (336) 832-9700 |
Cone Health Medcenter High Point | 2630 Willard Dairy Rd, High Point, NC 27265 | (336) 884-3777 |
Cone Health Moses Cone Hospital | 1121 N Church St, Greensboro, NC 27401 | (336) 832-7000 |
Cone Health Wesley Long Hospital | 2400 W Friendly Ave, Greensboro, NC 27403 | (336) 832-1000 |
Cone Health Women's & Children's | 1121 N Church St, Greensboro, NC 27401 | (336) 832-6500 |
Duke Children's Hospital & Health Center | 2301 Erwin Rd, Durham, NC 27705 | (919) 668-4000 |
Duke Regional Hospital | 3643 N Roxboro St, Durham, NC 27704 | (919) 470-4000 |
Duke University Hospital | 2301 Erwin Rd, Durham, NC 27705 | (919) 684-8111 |
Durham VA Medical Center | 508 Fulton St, Durham, NC 27705 | (919) 286-0411 |
High Point Medical Center | 601 N Elm St, High Point, NC 27262 | (336) 878-6000 |
Kindred Healthcare | 2401 S Side Blvd, Greensboro, NC 27406 | (336) 604-2300 |
Lenox Baker Children's Hospital | 3000 Erwin Rd, Durham, NC 27705 | (919) 684-6669 |
North Carolina Specialty Hospital | 3916 Ben Franklin Blvd, Durham, NC 27704 | (919) 956-9300 |
Person Memorial Hospital | 615 Ridge Rd, Roxboro, NC 27573 | (336) 599-2121 |
Randolph Health | 364 White Oak St, Asheboro, NC 27203 | (336) 625-5151 |
Select Specialty Hospital - Durham | 3643 N Roxboro St #6, Durham, NC 27704 | (984) 569-4040 |
Select Specialty Hospital - Greensboro | 1200 N Elm St #5, Greensboro, NC 27401 | (336) 832-5700 |
UNC Hospitals | 101 Manning Dr, Chapel Hill, NC 27514 | (984) 974-1000 |
UNC Rockingham Health Care | 117 E Kings Hwy, Eden, NC 27288 | (336) 623-9711 |
Clinic | Address | Phone |
|---|---|---|
Alamance Ear Nose & Throat LLP | 4030 Oaks Professional Pkwy #201, Burlington, NC 27215 | (336) 226-0660 |
Alamance Regional Medical Center | 1240 Huffman Mill Rd, Burlington, NC 27215 | (336) 538-7000 |
Alamance Regional Pain Clinic | 1236 Huffman Mill Rd #2000, Burlington, NC 27215 | (336) 538-7180 |
Cone Health COVID-19 Testing | 1238 Huffman Mill Rd, Burlington, NC 27215 | (336) 890-1140 |
Cone Health Mebane Physical Therapy | 102 Medical Park Dr, Mebane, NC 27302 | (919) 304-5060 |
Cone Health Medcenter Mebane | 3940 Arrowhead Blvd #110, Mebane, NC 27302 | (919) 568-7300 |
Sleep Disorders Center | 1248 Huffman Mill Rd #101, Burlington, NC 27215 | (866) 937-6692 |
Health Center of Hillsborough | 401 Meadowlands Dr #101, Hillsborough, NC 27278 | (919) 241-5032 |
Alamance County ZIP Codes include: 27215, 27217, 27302, 27253, 27244, 27298, 27349, 27258, 27220, 27340, 27201, 27202, 27216, and 27359
