Find Your Most Affordable Health Insurance Plan in Carteret County
in North Carolina
Carteret 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 Carteret County, NC with Health Plans of NC. Health Plans of NC helps Carteret County, NC residents find and enroll in the right health insurance plan at no cost, connecting locals to coverage that fits their healthcare needs and budget. With Carteret Health Care serving as the county's primary hospital system and major employers like Carteret County Schools and Carteret Community College providing a foundation for the local workforce, having the right plan in place is essential for families throughout the region.
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 |
Carteret County's 68,652 residents, a population that has grown 1.4 percent since 2020, have access to a range of health insurance options depending on employment status, income level, and healthcare needs. Major local employers including Carteret County Schools, CarteretHealth, County of Carteret, Walmart, and Carteret Community College offer employer-sponsored coverage to eligible workers, while residents outside those arrangements can access individual and family marketplace plans, Medicaid, short-term coverage, and small business options. With 3.2 percent of Carteret County residents being foreign-born, Health Plans of NC is available to help all community members navigate their coverage choices at no cost.
ACA Marketplace plans provide Carteret County residents who are self-employed or not covered by an employer with access to Carteret Health Care and local clinics for routine and emergency care
Medicaid coverage is available to income-qualifying Carteret County residents following North Carolina's Medicaid expansion, providing low-cost or no-cost access to the county's health systems
Employer-sponsored insurance is offered by major Carteret County employers including Carteret County Schools, CarteretHealth, County of Carteret, Walmart, and Carteret Community College to eligible full-time employees
Short-term health plans offer temporary coverage for Carteret County residents who are between jobs, in a coverage gap, or transitioning from one employer to another in this coastal community
COBRA continuation coverage allows Carteret County residents who recently left employment with a qualifying employer to temporarily maintain their existing group health plan benefits
Small business SHOP marketplace plans allow Carteret County small business owners to offer ACA-compliant group coverage to their employees through Blue Cross NC plans available in the county
For 2026, Carteret County residents can choose from plans offered under two Blue Cross NC networks, Blue Advantage and Blue Care, both structured as PPO plan types that allow access to a broad range of in-network providers. The Blue Advantage PPO network covers 95 percent or more of North Carolina doctors in-network, while the Blue Care PPO network covers 92 percent or more of NC doctors, giving Carteret County residents strong local access to providers including Carteret Health Care, Cape Carteret Family Medicine, Carteret Family Medicine, and Carteret Pediatrics and Adolescents. Health Plans of NC helps residents compare plans across both networks side-by-side at no cost to identify the option that best aligns with their preferred local providers.
Blue Advantage PPO, the largest nationwide network, connects Carteret County residents to Carteret Health Care and covers 95 percent or more of North Carolina doctors in-network
Blue Care PPO offers Carteret County residents a broad statewide network covering 92 percent or more of NC doctors, including access to local providers like Cape Carteret Family Medicine and Carteret Family Medicine
Both the Blue Advantage and Blue Care PPO networks include access to Carteret Pediatrics and Adolescents, making either option suitable for Carteret County families seeking in-network pediatric care
PPO plan structures available through both networks allow Carteret County residents to see specialists without a referral, providing flexibility when accessing Carteret Health Care's specialty services
Both Blue Advantage and Blue Care plans span multiple metal tiers, giving Carteret County residents the ability to select a coverage level that matches their expected healthcare utilization and provider preferences
Bronze plans in Carteret County start at approximately $476.59/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.
Bronze plans in Carteret County start at $476.59 per month for a 35-year-old, offering the lowest available monthly premiums with higher deductibles for catastrophic financial protection
Silver plans start at $612.52 per month and are the only tier eligible for cost-sharing reductions, which can lower deductibles and copays for qualifying Carteret County residents
Gold plans start at $633.41 per month and provide lower out-of-pocket costs throughout the year, making them well-suited for residents who use Carteret Health Care services frequently
Residents earning between 100 and 400 percent of the federal poverty level qualify for premium tax credits that can reduce monthly costs well below the Bronze starting price of $476.59
Some Carteret County residents may qualify for a zero-dollar premium Silver plan depending on household income relative to the county's median household income of $70,235
Carteret County residents earning up to 138 percent of the federal poverty level may qualify for North Carolina Medicaid rather than a marketplace plan, potentially eliminating monthly premium costs entirely
Blue Cross NC, formally known as Blue Cross and Blue Shield of North Carolina, is the sole ACA-compliant marketplace carrier offering plans in Carteret County for 2026, with 14 total plans available to individuals and families. These 14 plans are offered across two PPO network options, Blue Advantage and Blue Care, giving residents choices in how broadly they can access in-network providers throughout North Carolina and beyond. The Blue Advantage network provides the largest nationwide PPO coverage, while the Blue Care network delivers a broad statewide PPO option, both of which include Carteret Health Care at 3500 Arendell St in Morehead City as a key in-network facility. Choosing between these networks affects which local providers, including Cape Carteret Family Medicine, Carteret Family Medicine, and Carteret Pediatrics and Adolescents, are covered at in-network rates for Carteret County residents. Health Plans of NC compares every available Blue Cross NC plan side-by-side at no cost, helping residents identify the plan and network that best matches their provider preferences.
Blue Cross NC (Blue Cross and Blue Shield of North Carolina), PPO plans under Blue Advantage and Blue Care networks, 14 plans available to Carteret County individuals and families for 2026
North Carolina expanded Medicaid in December 2023, and Carteret County residents earning up to 138 percent of the federal poverty level may now qualify for free or very low-cost health coverage through the state program. Currently 9.3 percent of Carteret County residents, approximately 6,000 people, remain uninsured, and many of these individuals may be eligible for Medicaid or heavily subsidized marketplace coverage they have not yet claimed. Children in families earning up to 210 percent of the federal poverty level may qualify for NC Health Choice, the state's CHIP program, which provides low-cost coverage for eligible minors. Health Plans of NC offers free eligibility checks so Carteret County residents can quickly determine whether they qualify for Medicaid, CHIP, or a marketplace plan.
Working adults in Carteret County earning at or below 138 percent of the federal poverty level may qualify for expanded Medicaid coverage following North Carolina's December 2023 expansion
Children in Carteret County families earning up to 210 percent of the federal poverty level may be eligible for NC Health Choice CHIP coverage at low or no monthly cost
Pregnant women in Carteret County may qualify for Medicaid at higher income thresholds than the standard expansion limit, providing prenatal and delivery coverage through Carteret Health Care
Carteret County seniors with low income may qualify for both Medicare and Medicaid simultaneously, with Medicaid helping to cover costs that Medicare does not fully address
People with disabilities in Carteret County may qualify for Medicaid regardless of age, and Carteret County's 10.0 percent poverty rate indicates a meaningful share of residents may be eligible for this coverage
Health Plans of NC licensed agents serve Carteret County residents at no cost, comparing every available plan side-by-side and guiding locals through enrollment from start to finish. Call 800-797-0327 today to speak with an agent who can help you find the right plan for your budget and healthcare needs.
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 Carteret 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 |
Carteret County ZIP Codes include: 28511, 28512, 28516, 28520, 28524, 28528, 28531, 28553, 28557, 28570, 28575, 28577, 28579, 28581, 28584, 28589, and 28594
