Find Your Most Affordable Health Insurance Plan in Beaufort County

Find affordable health insurance in Beaufort County, NC with Health Plans of NC. Beaufort County, NC residents can find affordable health insurance plans through Health Plans of NC, with 14 plans available through Blue Cross NC to serve the county's population of 44,597. Despite a solid regional healthcare network anchored by ECU Health Beaufort Hospital in Washington, approximately 10.5% of Beaufort County residents, roughly 5,000 people, remain uninsured. Health Plans of NC helps local residents compare and enroll in coverage that fits their budget and healthcare needs across every corner of the county.

Health Insurance Options in Beaufort County, NC

Beaufort County residents can choose from a range of health insurance options depending on their income, employment status, and healthcare needs, with 14 plans available through Blue Cross NC on and off the marketplace. The county's healthcare network, led by ECU Health Beaufort Hospital and supported by numerous primary care clinics and specialty practices throughout the region, means that having the right plan in place directly affects access to local providers. Whether you are self-employed, working for a small business, or between jobs, there is a coverage pathway available to Beaufort County residents at nearly every income level.

• Marketplace plans for self-employed individuals and families without employer coverage, with premium tax credits available based on Beaufort County's median household income of $57,997 that can significantly reduce monthly costs

• Low-premium, high-deductible coverage designed for younger and healthier Beaufort County adults who want financial protection against major medical events like emergency care at ECU Health Beaufort Hospital's 24-hour emergency department

• Mid-tier plans that balance monthly premiums with manageable out-of-pocket costs, well suited for Beaufort County families who rely on regular primary care and specialist visits within the ECU Health network

• Comprehensive, lower-deductible plans ideal for Beaufort County residents managing chronic conditions, maternity care, or oncology services available at ECU Health Beaufort Hospital in Washington

• Medicaid coverage for Beaufort County residents whose income falls at or below 138% of the federal poverty level, particularly relevant given the county's high poverty rate of 18.0% and the December 2023 expansion of North Carolina Medicaid

• Employer-sponsored group health plans available to workers at Beaufort County employers, often offering shared premium costs and broad network access across the ECU Health system and surrounding regional facilities

Health Insurance Carriers in Beaufort County, NC

For 2025, Beaufort County residents have access to 14 ACA-compliant health insurance plans offered through Blue Cross NC, the sole carrier serving this county through the individual and family marketplace. Blue Cross NC offers a range of plan structures including HMO, PPO, EPO, and catastrophic options, giving Beaufort County shoppers meaningful choices in how they access care and manage costs. Carrier network design is especially important in Beaufort County because access to ECU Health Beaufort Hospital in Washington, as well as regional facilities like ECU Health Medical Center in Greenville, depends on whether your selected plan includes those providers in-network. Choosing the wrong plan structure can limit access to the specialists, primary care clinics, and hospital services that Beaufort County residents rely on most, making careful plan comparison essential. Health Plans of NC agents compare every available plan side-by-side at no cost, helping residents identify which Blue Cross NC plan best aligns with their preferred providers and monthly budget. With a median household income of $57,997, an uninsured rate of 10.5%, and a poverty rate of 18.0%, getting carrier and plan selection right is especially critical for the thousands of Beaufort County residents who are one coverage gap away from significant financial exposure.

• Blue Cross and Blue Shield of North Carolina

Health Insurance Costs in Beaufort County

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.

• Entry-level Blue Cross NC plans in Beaufort County start at $401.70 per month before subsidies, with tax credits potentially reducing that premium to $0 for income-qualifying residents

• Beaufort County residents earning between 100% and 400% of the federal poverty level are eligible for Advance Premium Tax Credits that reduce monthly marketplace plan premiums on a sliding scale

• The county's 18.0% poverty rate means a significant share of Beaufort County residents may qualify for Medicaid at little to no monthly premium cost following North Carolina's December 2023 expansion

• With a median household income of $57,997, many Beaufort County working families qualify for meaningful subsidies, especially those who are self-employed or whose employers do not offer group coverage

• Among the estimated 5,000 uninsured Beaufort County residents, cost is identified as a primary barrier to coverage, making subsidy screening and Medicaid enrollment critical services for local households

• Short-term and gap coverage options may be available for Beaufort County residents who miss open enrollment or experience qualifying life events such as job loss or relocation within or into the county

Individual and Family plan premiums in Beaufort County before subsidies: Bronze plans start at $401.70/month (lowest premiums, highest deductible); Silver plans start at $516.45/month (mid-range cost, eligible for cost-sharing reductions); Gold plans start at $533.89/month (higher premiums, lower out-of-pocket). Catastrophic coverage is also available for Beaufort County residents under 30 or with a hardship exemption. Most Beaufort County residents qualify for ACA premium tax credits that can significantly lower monthly costs. Health Plans of NC provides free personalized quotes with exact subsidy calculations.

Medicaid and CHIP Coverage in Beaufort County, NC

North Carolina expanded Medicaid in December 2023. Beaufort County residents earning up to 138% of the federal poverty level may qualify for free or low-cost coverage. Currently 10.5% of Beaufort County residents (about 5,000 people) are uninsured. Many may now qualify. Children in families earning up to 210% FPL may qualify for NC Health Choice (CHIP). Call Health Plans of NC for a free eligibility check.

About Health Insurance in Beaufort County, NC

Beaufort County is home to 44,597 residents. The median household income is $57,997. The county has grown -0.1% since 2020. The uninsured rate is 10.5%. 3.4% of residents are foreign-born. Health Plans of NC helps Beaufort County residents find the right plan at no cost.

Area Hospitals

Area Medical Clinics