Find Your Most Affordable Health Insurance Plan in Camden County
in North Carolina
Camden County residents can compare 15 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 Camden County, NC with Health Plans of NC. Health Plans of NC helps Camden County residents find and enroll in affordable health insurance coverage, connecting families and individuals served by Sentara Albemarle Medical Center to plans that fit their needs and budgets at no cost.
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 |
Camden County's 10,743 residents have access to several types of health coverage, including ACA Marketplace plans, Medicaid, and employer-sponsored insurance through major local employers such as Camden County Schools, County of Camden, Dollar General, Monarch, and Tidewater Agronomics. The county has grown 3.7% since 2020, meaning new residents are regularly entering the coverage market and need guidance on enrollment options. Approximately 0.8% of Camden County residents are foreign-born, and Health Plans of NC can assist those households in understanding their coverage eligibility and enrollment pathways.
ACA Marketplace plans are available for Camden County residents who do not have access to affordable coverage through employers like Dollar General or Monarch and need individual or family coverage.
Medicaid coverage is available for qualifying low-income Camden County residents, including those who may not have access to employer-sponsored benefits through local employers such as Tidewater Agronomics.
Employer-sponsored group health insurance is offered through major Camden County employers including Camden County Schools and the County of Camden, covering a significant share of the local workforce.
COBRA continuation coverage allows Camden County workers who lose employer-sponsored benefits from employers like Monarch or Camden County Schools to maintain their existing health plan temporarily.
Short-term health plans may serve Camden County residents in coverage gaps, particularly those between jobs in the county's local government, agriculture, or retail sectors.
Small business SHOP Marketplace plans allow small employers in Camden County, including locally owned businesses near Sentara Albemarle Medical Center's service area, to offer group coverage to their employees.
For 2026, Camden County residents can choose from plans offered under two Blue Cross NC networks, Blue Advantage and Blue Care, both of which are PPO structures that provide access to regional providers including Sentara Albemarle Medical Center in Elizabeth City and the broader ECU Health system. Blue Advantage offers the largest nationwide PPO network, giving Camden County residents the most expansive access to in-network providers across the state and country. Blue Care provides a broad statewide PPO network, connecting Camden County residents to a wide range of North Carolina providers at in-network rates.
Blue Advantage, a PPO network, covers 95% or more of NC doctors in-network, giving Camden County residents access to Sentara Albemarle Medical Center and regional specialists at in-network rates.
Blue Care, a PPO network, covers 92% or more of NC doctors in-network, providing Camden County residents broad statewide access to primary and specialty care providers.
Both Blue Advantage and Blue Care PPO plans allow Camden County residents to see specialists without referrals, which is especially useful when traveling to regional facilities in Elizabeth City or the ECU Health network.
Blue Advantage's nationwide PPO network benefits Camden County residents who travel frequently or seek specialty care outside of northeastern North Carolina.
Blue Care's statewide PPO coverage supports Camden County residents who rely primarily on North Carolina-based providers, including those affiliated with ECU Health facilities in the surrounding region.
Health Plans of NC agents can compare Blue Advantage and Blue Care plan options side-by-side to help Camden County residents identify which network best matches their preferred providers and care patterns.
Bronze plans in Camden County start at approximately $427.27/month before subsidies. With a median household income of $87,781, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Camden County start at $427.27 per month for a 35-year-old before premium tax credits, offering the lowest monthly premiums with higher out-of-pocket costs when care is needed.
Silver plans start at $549.92 per month for a 35-year-old before subsidies, and Silver is the only tier eligible for cost-sharing reductions that lower deductibles and copays for qualifying households.
Gold plans start at $587.73 per month for a 35-year-old before premium tax credits, providing lower out-of-pocket costs that benefit residents who use medical services frequently throughout the year.
Camden County's median household income of $87,781 means many residents qualify for premium tax credits on a sliding scale, potentially reducing monthly costs well below the listed starting prices.
Households with incomes closer to the federal poverty level may qualify for enhanced premium tax credits or $0 premium Silver plan options, making comprehensive coverage accessible at little or no monthly cost.
Health Plans of NC provides free personalized quotes with exact subsidy calculations so Camden County residents know their actual monthly cost before selecting a plan.
For 2026, Blue Cross NC is the sole ACA Marketplace carrier serving Camden County, offering 15 health insurance plans across two PPO network options, Blue Advantage and Blue Care. Blue Advantage connects Camden County residents to the largest nationwide PPO network, covering 95% or more of North Carolina doctors in-network, while Blue Care provides broad statewide PPO coverage reaching 92% or more of NC providers. Both networks are structured to support access to regional health facilities near Camden County, including Sentara Albemarle Medical Center in Elizabeth City and ECU Health system locations serving northeastern North Carolina. Network choice matters significantly for Camden County residents because traveling to regional hospitals and clinics is a routine part of accessing care, and selecting the wrong plan tier or network could result in higher out-of-pocket costs for out-of-network services. Health Plans of NC agents compare every available Blue Cross NC plan side-by-side at no cost, helping Camden County residents choose the plan and network that best aligns with their provider relationships and healthcare needs.
Blue Cross NC, offering PPO plans under the Blue Advantage and Blue Care networks, with 15 total ACA Marketplace plans available to Camden County residents for 2026.
North Carolina expanded Medicaid in December 2023, extending free or low-cost coverage to adults in Camden County earning up to 138% of the federal poverty level, opening a new coverage pathway for previously uninsured residents. Camden County's uninsured rate is 3.0%, representing approximately 0 uninsured residents in the county, though those who remain without coverage may qualify for Medicaid, CHIP, or subsidized Marketplace plans. Children in Camden 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. Camden County's poverty rate of 5.0% indicates that a meaningful share of residents may qualify for Medicaid, cost-sharing reductions, or other assistance programs, and Health Plans of NC can provide a free eligibility check to help residents understand their options.
Working adults in Camden County who earn 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 Camden County households earning up to 210% of the federal poverty level may qualify for NC Health Choice CHIP coverage, providing comprehensive low-cost pediatric benefits.
Pregnant women in Camden County may qualify for Medicaid coverage that includes prenatal care, labor and delivery, and postpartum services through state and federally funded programs.
Camden County residents with disabilities or seniors with limited income may qualify for Medicaid programs that cover long-term care, specialty services, and prescription drug coverage.
Camden County's poverty rate of 5.0% means a share of residents may be eligible for full Medicaid, enhanced subsidies, or cost-sharing reductions, and a free eligibility check through Health Plans of NC can clarify which programs apply.
Health Plans of NC licensed agents serve Camden County residents at no cost, comparing all available plans side-by-side and guiding households through enrollment from start to finish. Call 800-797-0327 today to speak with a local agent who can help you find the right coverage for your needs and budget.
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 Camden 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 |
|---|---|---|
ECU Health Bertie Hospital | 1403 S King St, Windsor, NC 27983 | (252) 794-6600 |
ECU Health Chowan Hospital | 211 Virginia Rd, Edenton, NC 27932 | (252) 482-8451 |
ECU Health Edgecombe Hospital | 111 Hospital Dr, Tarboro, NC 27886 | (252) 641-7700 |
ECU Health North Hospital | 250 Smith Church Rd, Roanoke Rapids, NC 27870 | (252) 535-8011 |
ECU Health Roanoke-Chowan Hosp | 500 Academy St S, Ahoskie, NC 27910 | (252) 209-3000 |
Martin General Hospital | 310 S Mccaskey Rd, Williamston, NC 27892 | (252) 809-6300 |
Outer Banks Hospital | 4800 S Croatan Hwy, Nags Head, NC 27959 | (252) 449-4500 |
Sentara Albemarle Medical Ctr | 1144 N Road St, Elizabeth City, NC 27909 | (252) 335-0531 |
Washington Regional Med Ctr | 958 US Highway 64 E, Plymouth, NC 27962 | (252) 793-4135 |
Clinic | Address | Phone |
|---|---|---|
ECU Health Endocrinology-Ahsk | 226 Academy St S, Ahoskie, NC 27910 | (252) 209-3991 |
ECU Health Family Medicine | 1124 Harvey Point Rd, Hertford, NC 27944 | (252) 426-2946 |
ECU Health Family Medicine | 1385 Medical Center Dr # 4942, Roanoke Rapids, NC 27870 | (252) 537-9176 |
ECU Health Heart-Vascular Care | 220 Smith Church Rd, Roanoke Rapids, NC 27870 | (252) 537-9268 |
ECU Health Internal Medicine | 104 Mark Dr, Edenton, NC 27932 | (252) 482-5171 |
ECU Health Multispecialty | 113 Virginia Rd, Edenton, NC 27932 | (252) 482-3047 |
ECU Health Neurology-Edenton | 203 Earnhart Dr # B, Edenton, NC 27932 | (252) 482-5868 |
ECU Health Orthopedics-Roanoke | 171 N Carolina 125, Roanoke Rapids, NC 27870 | (252) 537-5631 |
ECU Health Pulmonology-Ahoskie | 222 Academy St S, Ahoskie, NC 27910 | (252) 209-3440 |
ECU Health Sleep Medicine | 240 Smith Church Rd # A, Roanoke Rapids, NC 27870 | (252) 535-1082 |
Halifax Regional Med Ctr Inc | 250 Smith Church Rd, Roanoke Rapids, NC, 27870, Not AvailableIsland Medical Ctr, 715 US Highway 64, Manteo, NC 27954 | (252) 473-2500 |
Sentara Vascular Specialists | 5200 N Croatan Hwy # 6, Kitty Hawk, NC 27949 | (252) 255-6125 |
Signature Healthcare | 305 E 14th St, Roanoke Rapids, NC 27870 | (252) 537-6181 |
Vidant Sleep Medicine-Roanoke | 240 Smith Church Rd, Roanoke Rapids, NC 27870 | (252) 535-1082 |
Camden County ZIP Codes include: 27921, 27974, and 27976
