Find an Affordable Health Insurance Plan in Camden County
in North Carolina
Nationwide (BlueCard®)
Blue Advantage® is a PPO health plan from Blue Cross and Blue Shield of North Carolina (Blue Cross NC) offering the company's largest nationwide network of doctors, specialists, and hospitals. More than 95% of North Carolina doctors and 98% of North Carolina hospitals are in-network, and coverage travels with you nationwide through the BlueCard® program, which is accepted in nearly 200 countries and territories worldwide.
Because it's a PPO, Blue Advantage gives you the fewest restrictions on which doctors you can see: no referrals to see a specialist, and out-of-network care is still covered (at a lower benefit level). It typically carries a higher premium than Blue Cross NC's in-state-only plans, so it's the plan we recommend when provider choice and nationwide access matter more than getting the lowest possible premium.
Blue Advantage is built for people who want the fewest restrictions on which doctors they can see. It's a strong fit if you travel frequently for work or split time between two states, have an established specialist relationship you don't want to disrupt, want emergency care covered at the in-network rate anywhere in the world, or simply value provider choice over the lowest possible monthly premium.
It's a weaker fit if you rarely leave North Carolina and don't need nationwide access. In that case, Blue Care offers nearly identical in-state provider access at a lower premium, and one of the regional Blue Home plans may lower your premium even further if your doctors belong to a single health system.
Nationwide network – Nationwide (BlueCard®)
Network: Anywhere in the U.S. and abroad2; 95%+ of NC doctors.1
Out-of-area care: Covered (lower benefit level).
Offered in Bronze, Silver, and Gold tiers.
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 in all North Carolina counties, except the following where it is available only off Marketplace: Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Orange, Person, and Wake.
Blue Advantage is a PPO, which means you don't need a referral to see a specialist, and you're never limited to a single network — you're just paying more if you step outside it. If you see an in-network provider, you get the plan's full benefit level. If you see someone out-of-network, the plan still pays, just at a reduced benefit level, and you're responsible for the difference.
Because Blue Cross NC has more than 95% of North Carolina doctors and 98% of North Carolina hospitals in-network, most members rarely need to use that out-of-network benefit — but it's there if your situation calls for it.
Blue Advantage is the only Blue Cross NC individual plan built for people who leave the state. Through the BlueCard® program, your in-network benefits travel with you anywhere in the U.S. — so if you split time between two states, have kids away at college, or travel for work, you're not stuck finding a new plan or a new doctor.
Emergency care is covered at the in-network rate worldwide, including in nearly 200 countries and territories through BlueCard Worldwide®.
Blue Advantage typically carries a higher premium than Blue Cross NC's in-state-only plans like Blue Care® or the regional Blue Home℠ plans. That's the trade-off for the broadest network and out-of-network safety net Blue Cross NC offers. Like every Blue Cross NC ACA plan, it's available in Bronze, Silver, and Gold tiers, and most applicants qualify for a premium tax credit that lowers the monthly cost based on income and household size.
If nationwide access isn't something you need, it's worth comparing Blue Advantage against Blue Care or a Blue Home plan first — you may get nearly identical in-state coverage for meaningfully less.
You can enroll during the annual Open Enrollment Period (November 1 – January 15) or during a Special Enrollment Period if you've had a qualifying life event — a job change, a move, a new dependent, or losing other coverage.
A licensed Health Plans of NC agent can confirm your specific doctors are in-network, check what subsidy you qualify for, and compare Blue Advantage against the other six Blue Cross NC plans with you — at no cost. Call 800-797-0327.
Blue Advantage is a PPO (Preferred Provider Organization) plan. That means you can see out-of-network providers — you’ll just pay more — and you generally don’t need a referral to see a specialist. It’s the most flexible network Blue Cross NC offers.
Yes. Blue Advantage includes nationwide in-network access through the BlueCard® program, and emergency care is always covered at the in-network benefit level no matter where you are — including in nearly 200 countries and territories worldwide.
Yes, Blue Advantage is available in all 100 North Carolina counties. In 25 of them it’s available off-Marketplace only, meaning you’d enroll directly (through an agent or Blue Cross NC) rather than through HealthCare.gov. A Health Plans of NC agent can handle either path for you.
Both give you nearly the same broad in-state network (about 95% of NC doctors), but Blue Advantage is a PPO that adds nationwide out-of-network coverage, while Blue Care is an HMO limited to North Carolina with no out-of-network benefit except emergencies. Blue Advantage costs a bit more for that added flexibility.
Our recommendation: choose Blue Advantage if you travel, split time between states, or want maximum provider choice; choose Blue Care if you stay in NC and want to save on premium.
Statewide NC network
Blue Care® is an HMO health plan from Blue Cross NC that offers the company's largest in-state network — more than 95% of North Carolina doctors and 98% of NC hospitals in-network — at a lower monthly premium than the nationwide Blue Advantage PPO.
The trade-off for that lower premium is that Blue Care keeps your care inside North Carolina: outside of urgent and emergency situations, only in-network NC providers are covered, and there's no out-of-network benefit. For NC residents who rarely travel, Blue Care delivers almost the same broad provider choice as Blue Advantage for less money — which is why we often recommend it as the best-value option for people who stay in-state.
Blue Care fits residents who live and receive their care entirely within North Carolina, want broad in-state provider choice without paying for nationwide coverage they won't use, and are comfortable with no out-of-network benefit outside of emergencies.
It's a poor fit if you split time between states, have kids at out-of-state college, or travel frequently for work — non-emergency care outside North Carolina isn't covered. If that's you, Blue Advantage is the better choice.
Statewide network – Statewide NC network
Network: North Carolina only. A large network, with more than 95% of North Carolina doctors and 98% of North Carolina hospitals in-network.
Out-of-area care: Emergency / urgent only.
Offered in Bronze, Silver, and Gold tiers.
Blue Care is available in all North Carolina counties, except: Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Orange, Person, and Wake.
Blue Care is an HMO built on Blue Cross NC's largest in-state network — more than 95% of North Carolina doctors and 98% of NC hospitals in-network. It's priced lower than the nationwide Blue Advantage PPO because it trades nationwide access for coverage that stays inside North Carolina.
Outside of emergency and urgent care, only in-network NC providers are covered — there's no out-of-network benefit to fall back on, so it's worth confirming your specific doctors participate before you enroll.
Blue Care is sold in every NC county except Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Orange, Person, and Wake — those counties fall inside the Triangle-area service area for the Blue Home℠ with UNC Health Alliance plan instead. If you live in one of the excluded counties, Blue Care isn't available to you regardless of which providers you use.
Because the in-state network is nearly as broad as Blue Advantage's, most Blue Care members never notice a difference in provider choice day to day — the difference only shows up if you need care outside North Carolina.
Blue Care's premium runs lower than Blue Advantage's specifically because it removes the nationwide and out-of-network safety net. It's offered in Bronze, Silver, and Gold tiers, and most applicants qualify for a premium tax credit that lowers the monthly cost based on income and household size.
You can enroll during the annual Open Enrollment Period (November 1 – January 15) or during a Special Enrollment Period if you've had a qualifying life event — a job change, a move, a new dependent, or losing other coverage.
A licensed Health Plans of NC agent can confirm your doctors are in-network, check your subsidy, and compare Blue Care against Blue Advantage and the regional plans — at no cost. Call 800-797-0327.
Yes. Blue Care is structured as an HMO with a statewide North Carolina network. Outside of urgent and emergency situations, care is only covered when you use in-network NC providers.
Only urgent and emergency care is covered outside your Blue Care network. Routine or non-emergency care while traveling out of state is not covered, so Blue Care is best for people who receive their care in North Carolina.
Blue Care isn’t offered in Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Orange, Person, or Wake counties. In several of those counties, Blue Home℠ with UNC Health Alliance is offered instead.
Every Blue Cross NC individual plan comes in three “metal” tiers that describe how you and the plan split covered costs. Bronze plans have the lowest monthly premium but pay about 60% of covered costs, so you pay roughly 40% when you use care. Silver plans pay about 70% (you pay ~30%), and Gold plans pay about 80% (you pay ~20%) in exchange for a higher premium.
As a rule of thumb: Bronze suits people who rarely use care and want the lowest premium, Gold suits people who use regular or ongoing care, and Silver is the middle ground. Silver is also the only tier that unlocks Cost-Sharing Reductions (CSRs) — extra savings on deductibles and copays if your income qualifies — so many subsidy-eligible shoppers get the best overall value from a Silver plan. A licensed Health Plans of NC agent can run the numbers for your situation at no cost.
The most important step before choosing any plan is confirming your doctors, specialists, and preferred hospitals are in that plan’s network. Networks differ a lot between Blue Cross NC plans — a doctor who is in-network on one plan may be out-of-network, and far more expensive, on another.
You can check each plan’s provider directory on bcbsnc.com, or — the easier route — call a Health Plans of NC agent at 800-797-0327 and we’ll verify your specific providers before you enroll, at no charge.
Most North Carolinians who buy their own coverage qualify for a premium tax credit — a subsidy based on your income and household size that lowers what you pay each month. Subsidy amounts and eligibility rules can change from year to year, so the only way to know your real price is to run a personalized quote.
Health Plans of NC can check your subsidy eligibility and show you the after-subsidy premium for any of these plans for free. Call 800-797-0327 or request a quote online.
You can enroll during the annual Open Enrollment Period, which runs each fall (generally starting November 1) for coverage that begins the following year. Outside that window, you can still enroll if you have a qualifying life event — such as losing other coverage, moving, marriage, or having a baby — which opens a 60-day Special Enrollment Period.
Because enrollment dates and rules can change, it’s worth confirming the current deadline. A Health Plans of NC agent can tell you whether you’re eligible to enroll right now — call 800-797-0327.
Nothing. Health Plans of North Carolina is an independent, authorized agency licensed to sell Blue Cross NC plans, and our help — comparing plans, checking your doctors, estimating subsidies, and enrolling — is completely free to you. Agents are paid by the insurance company, and the plan price is the same whether you enroll with us or on your own.
Call 800-797-0327 to talk with a licensed local agent.
| Carrier | Distinct plans |
|---|---|
| Blue Cross and Blue Shield of NC | 18 |
| Cigna Healthcare | 10 |
| Total | 28 |
Source: CMS QHP Landscape PY2026, Individual Market Medical, updated August 26, 2026 (data.healthcare.gov). Counts distinct Plan IDs offered on the Marketplace in Camden County, once per carrier.
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® | HMO | Broad statewide network, 95%+ 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 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 HMO 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, an HMO network, covers 95% 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 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 HMO 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 one of two ACA Marketplace carriers serving Camden County, offering 18 health insurance plans across two 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 HMO coverage reaching 95% 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 plans under the Blue Advantage and Blue Care networks, with 18 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.
Camden County does not have a hospital within its borders. The hospitals below are located in neighboring counties and serve Camden County residents.
Hospital | Address | Phone |
|---|---|---|
Sentara Albemarle Medical Center | 3050 Halstead Blvd Ext, Elizabeth City, NC 27909 |
Clinic | Address | Phone |
|---|---|---|
Chesapeake Regional Primary Care-Camden - Rural Health Center | 100 Plank Bridge Rd, Unit B, Camden, NC 27921 | |
Albemarle Family Practice | 160c Hwy 158, Camden, NC 27921 | |
Camden County Health Department | 160 US 158 E Bldg B, Camden, NC 27921 |
Camden County ZIP Codes include: 27921, 27974, and 27976
