Find Your Most Affordable Health Insurance Plan in Carteret County

Find affordable health insurance in Carteret County, NC with Health Plans of NC. Carteret County, NC residents have access to health insurance plans through Blue Cross NC, with 48 plans available to individuals and families across the county. With an uninsured rate of 9.3 percent, representing roughly 6,000 Carteret County residents without coverage, finding the right plan is a critical local priority. Health Plans of NC helps Carteret County residents compare and enroll in coverage at no cost, connecting locals to options that fit their health needs and budget.

Health Insurance Options in Carteret County, NC

Carteret County residents can choose from a range of health insurance options depending on their employment status, income level, and healthcare needs. With Carteret Health Care serving as the county's primary hospital system and a network of local clinics including Cape Carteret Family Medicine, Carteret Family Medicine, and Carteret Pediatrics and Adolescents, having in-network coverage is especially important for families throughout the county. Whether you are self-employed, between jobs, a small business owner, or a retiree under 65, there is a plan structure designed to match your situation.

• Marketplace plans for self-employed and uninsured residents who want access to Carteret Health Care's emergency, surgical, and specialty services without employer-sponsored coverage

• Low-premium, high-deductible plans suited for healthy adults in Carteret County who want catastrophic protection and have limited monthly budgets near the county's $70,235 median income

• Mid-tier plans with balanced premiums and cost-sharing designed for families who regularly use services like Carteret Pediatrics and Adolescents or Carteret Family Medicine for preventive and routine care

• Comprehensive, lower-deductible plans ideal for Carteret County residents managing chronic conditions such as heart disease or cancer who rely on specialists in cardiology and oncology at Carteret Health Care

• Medicaid coverage for Carteret County residents at or below 138 percent of the federal poverty level, supported by the county's 10.0 percent poverty rate affecting an estimated portion of the 68,652 total population

• Short-term and supplemental coverage options for Carteret County residents in coverage gaps, seasonal workers, or those transitioning between employers in this coastal community with 1.4 percent population growth

Health Insurance Carriers in Carteret County, NC

Blue Cross NC and other leading carriers offer ACA-compliant plans in Carteret County. There are 48 plans available for 2025. Our agents compare every plan side-by-side at no cost.

• Blue Cross NC (Blue Cross and Blue Shield of North Carolina)

Health Insurance Costs in Carteret County

Bronze plans in Carteret County start at approximately $476.59/mo/month before subsidies. With a median household income of $70,235, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.

• Starting marketplace premiums in Carteret County begin at $476.59 per month before tax credits, making subsidy screening essential for residents near the $70,235 median income

• Residents earning between 100 and 400 percent of the federal poverty level may qualify for premium tax credits that reduce monthly costs well below the $476.59 starting benchmark

• Carteret County residents earning up to 138 percent of the federal poverty level may qualify for North Carolina Medicaid, which can provide coverage at zero or very low monthly premiums

• The county's 10.0 percent poverty rate means a significant share of the 68,652 Carteret County residents may be eligible for Medicaid or heavily subsidized marketplace plans

• Some Carteret County residents may qualify for $0 premium silver-level plans depending on household income, offering access to providers like Carteret Health Care with minimal out-of-pocket exposure

• The approximately 6,000 uninsured Carteret County residents who forgo coverage often face full out-of-pocket costs at facilities like Carteret Health Care's emergency department, making plan enrollment a financially protective step

Medicaid and CHIP Coverage in Carteret County, NC

North Carolina expanded Medicaid in December 2023. Carteret County residents earning up to 138% of the federal poverty level may qualify for free or low-cost coverage. Currently 9.3% of Carteret County residents (about 6,000 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 Carteret County, NC

Carteret County is home to 68,652 residents. The median household income is $70,235. The county has grown 1.4% since 2020. The uninsured rate is 9.3%. 3.2% of residents are foreign-born. Health Plans of NC helps Carteret County residents find the right plan at no cost.

Area Hospitals

Area Medical Clinics