Find Your Most Affordable Health Insurance Plan in Alamance County
in North Carolina
Blue Home with UNC Health Alliance is a good option if you wish to get care from UNC Health and its affiliated doctors and hospitals. Since the majority of doctors in this plan are in the same network, it’s easier for them to work together on your behalf.
UNC Health’s network of hospitals and providers including more than 1,800 primary care providers.2
A provider network that includes UNC Medical Center, nationally ranked in one adult and nine pediatric specialties by U.S. News;3 along with UNC Rex Hospital, rated by U.S. News as high performing in 16 adult procedures and conditions.4
All doctors outside the UNC Health Alliance provider network are considered out-of-network and not covered for Blue Home with UNC Health Alliance, including: Cone Health, Duke Health and WakeMed. 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.
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.
Blue Advantage - Off Marketplace 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.
in North Carolina
Find affordable health insurance in Alamance County, NC with Health Plans of NC. Health Plans of NC helps Alamance County residents find affordable health insurance by connecting them with Blue Cross NC plans that work with local providers like Cone Health Alamance Regional Medical Center and major employers such as LabCorp. Whether you need individual coverage, a family plan, or guidance on your options, Health Plans of NC offers free, personalized help from licensed agents who specialize in Alamance 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 | HMO | UNC Health hospitals and affiliated providers |
Alamance County is home to 186,177 residents (U.S. Census Bureau PEP, July 2025), representing a diverse community with 9.5 percent of residents being foreign-born (U.S. Census Bureau ACS), reflecting varied health coverage needs across the county. Major employers including the Alamance-Burlington School System, LabCorp, United Parcel Service, Alamance Regional Medical Center, and Walmart create a wide mix of employment situations, from workers covered under large group plans to individuals who need independent coverage. Health systems such as Cone Health Alamance Regional Medical Center, UNC Hospitals, and Duke University Hospital serve county residents, making provider network alignment a critical consideration across all coverage types.
ACA Marketplace coverage is available to Alamance County residents who are not enrolled through an employer like LabCorp or the Alamance-Burlington School System and need individual or family plans purchased through Healthcare.gov or directly from a carrier.
Medicaid coverage serves low-income Alamance County residents, including those who receive care at Cone Health Alamance Regional Medical Center and affiliated community health providers throughout Burlington and the surrounding area.
Employer-sponsored insurance is the primary coverage source for workers at large Alamance County employers including United Parcel Service, Walmart, and the Alamance-Burlington School System, who receive group benefits through their jobs.
Short-term health plans provide temporary coverage for Alamance County residents between jobs or waiting for benefits to begin, such as workers transitioning between positions at local employers like LabCorp.
COBRA continuation coverage allows employees who leave positions at Alamance County employers such as Alamance Regional Medical Center or LabCorp to temporarily maintain their existing group health benefits at their own expense.
Small business SHOP plans through the ACA Marketplace are available to Alamance County small business owners who want to offer employee benefits and connect their staff 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 provider network types: Blue Home with UNC Health Alliance, an HMO that requires enrollees to select a primary care provider and obtain referrals before seeing specialists, and Blue Advantage, a PPO available off-Marketplace only that allows members to see specialists and use facilities without a referral and with access to a broad statewide network. Residents who regularly use Cone Health Alamance Regional Medical Center, UNC Hospitals, or Duke University Hospital should carefully review which network includes their preferred providers at in-network rates before enrolling, as network choice directly affects both access and out-of-pocket costs. A full table of every available 2026 Blue Cross NC plan, including plan names, types, and premiums, is displayed on this page for easy comparison.
Blue Home with UNC Health Alliance centers care through UNC Health hospitals and affiliated providers, giving Alamance County residents a structured referral pathway to UNC Hospitals in Chapel Hill for specialty and inpatient services.
Blue Advantage is offered exclusively off-Marketplace, meaning Alamance County residents must enroll outside of Healthcare.gov to access this broader PPO network option rather than purchasing through the ACA exchange.
Blue Advantage connects enrollees to more than 95 percent of North Carolina doctors as in-network providers (BCBSNC plan documents 2026), offering broad statewide access that includes Duke University Hospital and its affiliated specialists.
HMO members enrolled in Blue Home with UNC Health Alliance must coordinate all specialist visits through their designated primary care provider, which can streamline care coordination for patients managing chronic or complex conditions.
Alamance County residents who regularly use Cone Health Alamance Regional Medical Center should confirm that their chosen network lists that specific facility as in-network before finalizing enrollment, since network placement determines cost-sharing levels.
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 in Alamance County (BCBSNC plan documents 2026); older enrollees pay higher premiums based on ACA age-rating rules.
Silver plans start at $644.87 per month for a 35-year-old (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 (BCBSNC plan documents 2026) and offer lower out-of-pocket costs at the point of care, making them well suited for residents who use medical services frequently throughout the year.
Alamance County residents with household incomes 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 annual costs even on lower-metal-tier plans regardless of how many services a member uses.
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 subsidy calculations especially important for older enrollees approaching Medicare eligibility.
Five carriers offer 45 ACA Marketplace plans in Alamance County for 2026 (CMS 2026), including AmeriHealth Caritas, Blue Cross NC, Cigna, Oscar Health, and UnitedHealthcare. Health Plans of NC is an authorized Blue Cross NC agency, and the plans featured on this page are Blue Cross NC plans specifically; Health Plans of NC does not represent AmeriHealth Caritas, Cigna, Oscar Health, or UnitedHealthcare, and residents interested in those carriers should contact them directly or visit Healthcare.gov. Blue Cross NC offers 17 plans 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 Alamance County. Residents comparing Blue Cross NC plan options can contact Health Plans of NC to review every Blue Cross NC plan available in their zip code at no cost.
Blue Advantage, available off-Marketplace only, gives enrollees direct access to Duke University Hospital and its affiliated specialists without requiring a primary care referral, making it a strong option for residents who prefer maximum flexibility.
Blue Home with UNC Health Alliance connects Alamance County HMO members to the full UNC Health system, including UNC Hospitals in Chapel Hill, for coordinated primary and specialty care through a designated primary care provider.
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 coverage 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 Alamance County residents determine whether they qualify for Medicaid, CHIP, or a Marketplace plan.
Working adults in Alamance County who recently lost job-based coverage and have income at or below the expanded Medicaid threshold may qualify for full Medicaid benefits at no premium cost.
Children under age 19 in Alamance County 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, ensuring access to prenatal, delivery, and postpartum care throughout the county.
Alamance 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 eligibility as soon as possible.
Blue Cross NC offers 17 of the 45 ACA Marketplace plans available in Alamance County for 2026 (CMS 2026). Other carriers also serving this county include AmeriHealth Caritas, Cigna, Oscar Health, UnitedHealthcare.
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 each person through enrollment from start to finish. Call 800-797-0327 today to speak with a licensed agent who can compare every Blue Cross NC plan available in your zip code and match you with the right coverage for 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 on Healthcare.gov 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
