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 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 | HMO | 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 HMO that requires you to choose a primary care provider and get 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 structured referral pathway that can help coordinate complex or ongoing treatment.
Blue Advantage is available only off the ACA Marketplace, meaning you must enroll directly outside of Healthcare.gov to access this broader PPO 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.
HMO members enrolled in Blue Home with UNC Health Alliance must coordinate all specialist visits through their designated primary care provider, which can simplify ongoing care management for chronic conditions.
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 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 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 17 plans 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
