Find Your Most Affordable Health Insurance Plan in Beaufort County
in North Carolina
Beaufort County residents can compare 14 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 North Carolina
Find affordable health insurance in Beaufort County, NC with Health Plans of NC. Health Plans of NC helps Beaufort County, NC residents find and enroll in affordable health insurance coverage, working alongside major local employers like ECU Health and PCS Phosphate to make sure every resident has access to the right plan for their needs.
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 |
Beaufort County is home to 44,597 residents and has experienced a population change of -0.1% since 2020, with 3.4% of residents identifying as foreign-born, making it important that coverage options are accessible and clearly explained for a diverse community. Major employers in the county include PCS Phosphate, Beaufort County Schools, ECU Health, River City Construction, and the County of Beaufort, each of which creates different insurance needs depending on employment type and household circumstances. Health Plans of NC helps residents navigate every available coverage pathway, from ACA Marketplace plans to Medicaid to employer-sponsored options, so that no Beaufort County household is left without a viable route to coverage.
ACA Marketplace plans are available to Beaufort County residents who are self-employed, work for employers like River City Construction that may not offer group benefits, or who are between jobs and need individual or family coverage.
Medicaid coverage is available to eligible low-income Beaufort County residents following North Carolina's expansion, including workers in seasonal or part-time roles at local employers who may not qualify for job-based insurance.
Employer-sponsored health plans are offered through major Beaufort County employers such as Beaufort County Schools, ECU Health, and the County of Beaufort, typically providing shared premium costs and broad network access.
Short-term health coverage may be available to Beaufort County residents who miss open enrollment or need temporary protection while transitioning between jobs at local employers or relocating into the county.
COBRA continuation coverage allows Beaufort County workers who leave jobs at employers like PCS Phosphate or ECU Health to temporarily maintain their existing employer plan while seeking a longer-term coverage solution.
Small business SHOP plans are available to Beaufort County small business owners and their employees, offering group coverage options that help local businesses compete with larger employers in attracting and retaining workers.
For 2026, Beaufort County residents have access to 14 ACA-compliant plans through Blue Cross NC, structured across two plan networks, Blue Advantage and Blue Care, both of which connect enrollees to providers throughout the ECU Health system including ECU Health Beaufort Hospital in Washington. Blue Advantage is a PPO network covering 95% or more of North Carolina doctors in-network, while Blue Care is a PPO network covering 92% or more of North Carolina doctors in-network, giving Beaufort County shoppers meaningful flexibility in how they access primary care, specialist visits, and hospital services. Health Plans of NC helps residents compare these networks side-by-side at no cost to identify which plan best aligns with their preferred local providers.
Blue Advantage, PPO, provides access to the largest nationwide network with 95% or more of NC doctors in-network, including ECU Health Beaufort Hospital and regional facilities like ECU Health Medical Center in Greenville.
Blue Care, PPO, offers a broad statewide network covering 92% or more of NC doctors in-network, connecting Beaufort County residents to ECU Health Beaufort Hospital and surrounding ECU Health system providers.
Both Blue Advantage and Blue Care networks include access to ECU Health Maynard Children's Hospital in Greenville, which is relevant for Beaufort County families seeking pediatric specialty care outside the immediate county.
Plan structures available within Blue Advantage and Blue Care include options across Bronze, Silver, and Gold metal tiers, allowing Beaufort County residents to choose the cost-sharing level that best fits their healthcare usage.
Catastrophic plans are available within the Blue Cross NC network for Beaufort County residents under age 30 or those who qualify through a hardship exemption, providing low-premium protection against major medical events.
Health Plans of NC agents compare every Blue Advantage and Blue Care plan available in Beaufort County side-by-side, helping residents confirm that their preferred doctors, clinics, and hospital systems are included in-network before enrolling.
Bronze plans in Beaufort County start at approximately $401.70/month before subsidies. With a median household income of $57,997, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Beaufort County start at $401.70 per month for a 35-year-old before subsidies, offering the lowest monthly premium with higher deductibles for residents who want catastrophic financial protection.
Silver plans start at $516.45 per month before subsidies and are the only tier eligible for cost-sharing reductions, which can lower deductibles and copays for qualifying Beaufort County residents.
Gold plans start at $533.89 per month before subsidies and feature lower out-of-pocket costs throughout the year, making them a strong fit for residents who use healthcare services frequently.
Beaufort County residents earning between 100% and 400% of the federal poverty level qualify for Advance Premium Tax Credits that reduce monthly premiums on a sliding scale based on income.
Some Beaufort County residents with incomes near the lower end of the subsidy range may qualify for a $0 monthly premium Silver plan after tax credits are applied, depending on household size and composition.
Out-of-pocket maximums for 2026 ACA-compliant plans cap annual cost exposure for Beaufort County enrollees, protecting households from unlimited medical bills in the event of a serious illness or hospitalization.
For 2026, Blue Cross NC is the sole ACA Marketplace carrier serving Beaufort County, offering 14 plans across individual and family coverage. These plans are structured under two distinct PPO networks, Blue Advantage and Blue Care, each providing different levels of statewide provider access for Beaufort County shoppers. Blue Advantage connects enrollees to the largest nationwide network with 95% or more of NC doctors in-network, while Blue Care provides a broad statewide network covering 92% or more of NC doctors, both designed to reach local providers including ECU Health Beaufort Hospital in Washington and ECU Health Medical Center in Greenville. Choosing between these networks matters significantly in Beaufort County because access to specific hospitals, specialist practices, and primary care clinics depends on which Blue Cross NC plan structure a resident selects. Health Plans of NC compares every available plan side-by-side at no cost, helping Beaufort County residents confirm in-network access to their preferred providers before enrolling.
Blue Cross NC, PPO plans under Blue Advantage and Blue Care networks, 14 plans available in Beaufort County for 2026 across Bronze, Silver, Gold, and Catastrophic coverage tiers.
North Carolina expanded Medicaid in December 2023, extending free or low-cost coverage to Beaufort County adults earning up to 138% of the federal poverty level, opening eligibility to thousands of residents who previously fell into a coverage gap. Approximately 10.5% of Beaufort County residents, roughly 5,000 people, currently remain uninsured, and many of them may now qualify for Medicaid or heavily subsidized Marketplace coverage under the expanded program. Children in Beaufort County 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 pediatric care. Health Plans of NC offers free eligibility checks for Beaufort County residents who want to find out whether they or their family members qualify for Medicaid or CHIP without any obligation to enroll in a paid plan.
Working adults in Beaufort County whose income falls at or below 138% of the federal poverty level may now qualify for full Medicaid coverage following North Carolina's December 2023 expansion.
Children in Beaufort County families are eligible for NC Health Choice, the state CHIP program, providing affordable pediatric coverage for households that earn too much to qualify for Medicaid but still need assistance.
Pregnant women in Beaufort County may qualify for Medicaid coverage with expanded income thresholds that extend beyond the standard adult eligibility limit, covering prenatal and postpartum care at local providers.
Beaufort County's poverty rate of 18.0% means a substantial share of local residents may be eligible for Medicaid at little to no monthly cost, particularly those who are not connected to employer-sponsored coverage.
Seniors and residents with disabilities in Beaufort County may qualify for Medicaid as a secondary payer alongside Medicare, helping cover costs like copays, long-term care services, and prescription drugs.
Health Plans of NC licensed agents serve Beaufort County residents at no cost, comparing every available plan side-by-side to find the best fit for your budget, providers, and coverage needs. Call 800-797-0327 today to speak with a local agent who can walk you through enrollment and make sure you do not miss your coverage window.
Call 800-797-0327 (toll free) or 704-303-8256 to speak with a licensed agent and schedule a free appointment
Email [email protected] with questions about plans available in Beaufort 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.
Hospital | Address | Phone |
|---|---|---|
Carolina East Medical Ctr | 2000 Neuse Blvd, New Bern, NC 28560 | (252) 633-8111 |
Carteret Health Care | 3500 Arendell St, Morehead City, NC 28557 | (252) 499-6000 |
Cherry Hospital | 1401 W Ash St, Goldsboro, NC 27530 | (919) 947-7000 |
ECU Health Beaufort Hosp A | 628 E 12th St, Washington, NC 27889 | (252) 975-4100 |
ECU Health Maynard Children's | 2102 Stantonsburg Rd, Greenville, NC 27834 | (252) 816-3714 |
ECU Health Medical Ctr | 2100 Stantonsburg Rd, Greenville, NC 27834 | (252) 847-4100 |
UNC Lenoir Health Care | 100 Airport Rd, Kinston, NC 28501 | (252) 522-7000 |
Walter B Jones Alcohol & Drug | 2577 W 5th St, Greenville, NC 27834 | (252) 830-3426 |
Wayne MEMORIAL Hospital | 2605 Medical Office Pl, Goldsboro, NC 27534 | (919) 731-6112 |
Wayne UNC Health Care | 2700 Wayne Memorial Dr, Goldsboro, NC 27534 | (919) 736-1110 |
Clinic | Address | Phone |
|---|---|---|
Abhishek K Mishra MD | 701 Doctors Dr, Kinston, NC 28501 | (252) 559-2200 |
Acupuncture Of Eastern NC | 1425 S Glenburnie Rd # 6, New Bern, NC 28562 | (252) 665-3294 |
Audit-Tel | , Greenville, NC 27858 | (252) 353-3331 |
Cape Carteret Family Medicine | 1057d Cedar Point Blvd # D, Cedar Point, NC 28584 | (252) 764-2121 |
Community Care Plan-Eastern | 521 Moye Blvd # C, Greenville, NC 27834 | (252) 816-0830 |
East Carolina Heart Inst | 526 Moye Blvd, Greenville, NC 27834 | (252) 847-5755 |
East Carolina Univ Family Med | 101 Heart Dr, Greenville, NC 27834 | (252) 744-4611 |
East Coast Onsite Medical Care | 505 Greenville Blvd SE, Greenville, NC 27858 | (252) 754-2273 |
Ecu Department-Family Medicine | 101 Heart Dr, Greenville, NC 27834 | (252) 744-2607 |
ECU Health Bover Hospital | 1209 Brown St, Washington, NC 27889 | (252) 975-4308 |
ECU Health Family Medicine-LA | 101 S Carey St, La Grange, NC 28551 | (252) 566-4021 |
ECU Health Gamma Knife Ctr | 2100 Stantonsburg Rd, Greenville, NC 27834 | (252) 847-2611 |
ECU Health Gastroenterology | 521 Moye Blvd # C, Greenville, NC 27834 | (252) 816-0800 |
ECU Health Heart-Vascular Care | 701 Doctors Dr # B, Kinston, NC 28501 | (252) 559-2200 |
ECU Health Sleep Ctr-Grnvll | 4 Doctors Park Medical Dr, Greenville, NC 27834 | (252) 847-7500 |
Goshen Medical Ctr-Fremont | 109 S Sycamore St, Fremont, NC 27830 | (919) 242-4382 |
Goshen Medical Ctr | 2001 Neuse Blvd, New Bern, NC 28560 | (910) 219-1082 |
Goshen Medical Ctr | 325 N Carolina Highway 55, Mount Olive, NC 28365 | (919) 658-5900 |
Healthfirst Medical Ctr Inc | 1201 Carolina Ave, Washington, NC 27889 | (252) 833-0365 |
Lindsey Roberson FNP | 701 Doctors Dr, Kinston, NC 28501 | (252) 559-2200 |
Med Center 1 | 1688 E Arlington Blvd, Greenville, NC 27858 | (252) 353-1464 |
Miracles In Sight | 620 Red Banks Rd, Greenville, NC 27858 | (252) 751-0785 |
Snow Hill Medical Ctr | 1106 Kingold Blvd, Snow Hill, NC 28580 | (252) 747-2921 |
UNC Family Medicine At Rswd | 2600 US Highway 70 W, Goldsboro, NC 27530 | (919) 739-4808 |
Vidant Medical Ctr | 3900 E 10th St, Greenville, NC 27858 | (252) 847-4325 |
Vidant Outpatient Rehab | 2310 Stantonsburg Rd, Greenville, NC 27834 | (252) 847-6603 |
Vitality Health & Wellness | 1429 E Fire Tower Rd # 104, Greenville, NC 27858 | (252) 364-2802 |
Westcare Innovative Healthcare | 2710 Beddard Rd, Grimesland, NC 27837 | (252) 754-0920 |
Beaufort County ZIP Codes include: 27806, 27808, 27810, 27814, 27817, 27821, 27860, 27865, and 27889
