Find an Affordable Health Insurance Plan in Caswell County
in North Carolina
Nationwide (BlueCard®)
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 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.
Triangle area
Blue Home℠ with UNC Health Alliance is a Blue Cross NC plan built around UNC Health's provider network, including more than 1,900 primary care providers, UNC Medical Center (nationally ranked in 4 adult and 9 pediatric specialties by U.S. News & World Report), and UNC Rex Hospital (rated high-performing in 1 adult specialty and 21 adult procedures and conditions).
Like the other Blue Home plans, this is a single-system regional network offered at a lower premium than broad-network options — only UNC Health Alliance providers are in-network. We recommend it for Triangle-area residents who already rely on a UNC Health doctor, especially for complex or pediatric care.
Good fit if you have an ongoing relationship with a UNC Health specialist, especially for a complex or chronic condition, prefer pediatric care coordinated through UNC's academic health system, or live in one of the eligible Triangle-area counties.
Poor fit if your regular doctors are with Cone Health, Duke Health, or WakeMed — all three are out-of-network here.
Regional network – Triangle area
Network: UNC Health Alliance only1 (incl. UNC Medical Center).2
Out-of-area care: Emergency / urgent only.
Offered in Bronze, Silver, and Gold tiers.
Notes
Blue Cross NC has collaborated with UNC Health to bring you Blue Home℠ with UNC Health Alliance. Blue Home with UNC Health Alliance is a health insurance plan offered by Blue Cross NC that provides access to a limited network of providers. UNC Health is an independent company that is solely responsible for the physicians and medical facilities it owns and operates. UNC Health does not offer Blue Cross or Blue Shield products or services.
UNC Health, www.unchealthcare.org/health-alliance/ (Accessed August 2024).
U.S. News and World Report, www.usnews.com/best-hospitals/area/nc/university-of-north-carolina-hospitals-6360260 (Accessed August 2024).
U.S. News and World Report, www.usnews.com/best-hospitals/area/nc/rex-healthcare-6361210 (Accessed August 2024).
Blue Home with UNC Health Alliance is available on and off Marketplace to residents of these North Carolina counties: Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Nash, Orange, Person, and Wake.
This plan is built around a single system, UNC Health Alliance, which keeps the premium lower than Blue Cross NC's broad-network plans. Only UNC Health Alliance providers are in-network — outside of emergency and urgent care, Duke Health and WakeMed are not covered, even though both operate in the same Triangle-area counties.
The network includes more than 1,900 primary care providers, UNC Medical Center — nationally ranked in four adult and nine pediatric specialties by U.S. News & World Report — and UNC Rex Hospital, rated high-performing in one adult specialty and 21 adult procedures and conditions.
For members managing a complex or chronic condition, or families needing pediatric specialty care, having that care coordinated through one academic health system is often the main draw of this plan over a broader but less integrated network.
The lower premium is the trade-off for narrowing to one system. It's offered in Bronze, Silver, and Gold tiers, and most applicants qualify for a premium tax credit based on income and household size.
This plan is available across 11 Triangle-area counties, including Wake, Durham, and Orange. If your doctors are with Duke Health or WakeMed instead, this plan won't cover them outside of an emergency.
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 UNC Health providers are in-network, check your subsidy, and compare this plan against Blue Advantage® and Blue Care® — at no cost. Call 800-797-0327.
Yes — UNC Medical Center, nationally ranked by U.S. News & World Report in several adult and pediatric specialties, is part of this network, along with more than 1,900 primary care providers across the Triangle.
No. Duke Health and WakeMed are out-of-network on Blue Home℠ with UNC Health Alliance, along with their affiliated providers. If your regular doctors are with Duke or WakeMed, this isn’t the right plan.
No. UNC Health is an independent company solely responsible for its physicians and facilities. Blue Cross NC partners with UNC Health to offer this plan design, but UNC Health does not sell Blue Cross or Blue Shield products.
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 | 9 |
| Ambetter of North Carolina | 15 |
| AmeriHealth Caritas Next | 8 |
| Cigna Healthcare | 7 |
| Total | 39 |
Source: CMS QHP Landscape PY2026, Individual Market Medical, updated August 26, 2026 (data.healthcare.gov). Counts distinct Plan IDs offered on the Marketplace in Caswell County, once per carrier.
in North Carolina
Find affordable health insurance in Caswell County, NC with Health Plans of NC. Health Plans of NC helps residents of Caswell County find and enroll in health insurance coverage at no cost, connecting them with plans that work alongside local health systems like UNC Rockingham Health Care and Cone Health. Whether you are an individual, a family, or an employee of a local organization, licensed agents can compare every available option to find a plan that fits your needs.
Plan Network | Type | Network Coverage |
|---|---|---|
Blue Advantage® | PPO | Largest nationwide network, 95%+ of NC doctors in-network (off-Marketplace only) |
Blue Home℠ with UNC Health Alliance | EPO | UNC Health hospitals and affiliated providers |
Caswell County is home to 22,689 residents, with a population that has shifted by -0.2 percent since 2020 and a foreign-born population representing 3.1 percent of county residents, reflecting a community with diverse coverage needs. Major local employers including Caswell County Schools, the County of Caswell, NC Dept of Adult Corrections, RWS Construction, and Yanceyville Nursing offer a range of employment situations, from full-time government roles to smaller private sector positions, each carrying different implications for how residents access health coverage. Health systems serving the county, including UNC Rockingham Health Care and Cone Health, anchor the regional provider network that most Caswell County residents rely on for primary and specialty care.
ACA Marketplace coverage is available to Caswell County residents who do not receive insurance through an employer such as Caswell County Schools or the County of Caswell, providing individual and family plan options through Blue Cross NC.
Medicaid coverage is available to eligible low-income Caswell County residents, including those employed by smaller local businesses or working part-time for employers like RWS Construction, who may not have access to employer-sponsored benefits.
Employer-sponsored group health plans are offered by larger Caswell County employers such as Caswell County Schools and the NC Dept of Adult Corrections, covering enrolled employees and their dependents through negotiated group benefits.
Short-term health coverage is an option for Caswell County residents between jobs or transitioning away from an employer like Yanceyville Nursing, providing temporary protection while they enroll in a longer-term plan.
COBRA continuation coverage allows Caswell County residents who recently left a qualifying employer, such as the County of Caswell or another covered organization, to temporarily maintain their existing group health plan benefits.
Small business SHOP coverage is available to small employers in Caswell County, including local businesses and smaller operations, allowing them to offer ACA-compliant group health benefits to their workforce through the federal SHOP marketplace.
For 2026, Caswell County residents have access to two Blue Cross NC plan networks, including the Blue Advantage PPO and the Blue Home with UNC Health Alliance EPO, each connecting enrollees to different sets of regional hospitals and provider groups. The Blue Advantage PPO is available exclusively off the Marketplace and provides access to the largest nationwide provider network, covering more than 95 percent of North Carolina doctors in-network, while the Blue Home with UNC Health Alliance EPO connects members to UNC Health hospitals and affiliated providers. Health Plans of NC can help Caswell County residents evaluate which network best fits their preferred providers and care patterns before enrolling.
Blue Advantage, a PPO plan available off-Marketplace only, offers the largest nationwide provider network and covers more than 95 percent of North Carolina doctors in-network, making it a broad option for Caswell County residents who see multiple specialists.
Blue Home with UNC Health Alliance, an EPO plan, connects Caswell County enrollees to UNC Health hospitals and affiliated providers, including UNC Rockingham Health Care in Eden and UNC Hospitals in Chapel Hill.
The Blue Advantage PPO network supports access to Cone Health facilities in Burlington, Reidsville, and Greensboro, giving Caswell County residents in-network options at major regional medical centers.
The Blue Home with UNC Health Alliance EPO requires members to use UNC Health network providers for covered care, which suits Caswell County residents whose primary care and specialty needs align with UNC-affiliated facilities.
Both plan networks include access to provider directories that Caswell County residents can use to verify that their current doctors, including those at Caswell Family Medical Center, participate before selecting a plan.
Health Plans of NC agents can compare both available networks side-by-side for Caswell County residents, helping them match their hospital and clinic preferences to the network that provides the best in-network access.
Bronze plans in Caswell County start at approximately $401.70/month before subsidies. With a median household income of $59,407, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Caswell County start at $401.70 per month before subsidies for a 35-year-old, offering the lowest monthly premiums with higher out-of-pocket costs when care is needed.
Silver plans start at $516.45 per month before subsidies and are the only tier eligible for cost-sharing reductions, which lower deductibles and copays for qualifying Caswell County households.
Gold plans start at $533.89 per month before subsidies and provide lower out-of-pocket costs at the time of care, making them a strong fit for residents who use medical services frequently.
Caswell County households earning up to 400 percent of the federal poverty level qualify for premium tax credits that reduce monthly costs below the listed starting prices for Bronze, Silver, and Gold tiers.
Residents near the county median income of $59,407 often qualify for meaningful subsidies that bring mid-tier plan premiums into a more manageable monthly range than the before-subsidy benchmark prices suggest.
Some Caswell County residents with lower household incomes may qualify for a zero-dollar premium Silver plan after tax credits are applied, making comprehensive coverage available at no monthly cost.
For 2026, Blue Cross NC is one of four ACA Marketplace carriers offering plans in Caswell County, with 9 plans on the Marketplace, plus Blue Advantage plans off the Marketplace, available across multiple coverage tiers and benefit structures. These 9 plans on the Marketplace, plus Blue Advantage plans off the Marketplace, are offered through two distinct networks, the Blue Advantage PPO available exclusively off the Marketplace and the Blue Home with UNC Health Alliance EPO available on the Marketplace, each connecting enrollees to different regional provider relationships. The Blue Advantage PPO network reaches Cone Health facilities in Burlington, Reidsville, and Greensboro, as well as Duke Health and other major regional systems, while the Blue Home with UNC Health Alliance EPO centers care around UNC Health hospitals and affiliated providers serving Caswell County. Choosing between these networks directly affects which hospitals and clinics are covered in-network, so Caswell County residents who regularly use facilities like Person Memorial Hospital in Roxboro or UNC Rockingham Health Care in Eden should verify network participation before selecting a plan. Health Plans of NC agents compare every available Blue Cross NC plan side-by-side at no cost, helping Caswell County residents identify the option that best matches their provider preferences, prescription needs, and budget.
Blue Cross NC, offering both PPO and EPO plan types, provides 9 ACA-compliant health insurance plans on the Marketplace, plus Blue Advantage plans off the Marketplace, to Caswell County residents for 2026 across the Blue Advantage and Blue Home with UNC Health Alliance networks.
North Carolina expanded Medicaid in December 2023, extending free or low-cost coverage to adults earning up to 138 percent of the federal poverty level, a significant change that opened eligibility to thousands of previously uninsured residents across the state. In Caswell County, 9.1 percent of residents, representing approximately 2,000 people, remain uninsured, and many of them may now qualify for Medicaid or subsidized coverage they have not yet claimed. The county's poverty rate of 15.7 percent means a substantial share of Caswell County households falls near or below income thresholds that trigger Medicaid eligibility, making a free eligibility check with Health Plans of NC an important first step. Children in qualifying families can access NC Health Choice, the state's CHIP program, for low-cost pediatric coverage when household income falls at or below 210 percent of the federal poverty level.
Working adults in Caswell County whose employers do not offer affordable coverage and whose income falls at or below 138 percent of the federal poverty level may now qualify for NC Medicaid following the December 2023 expansion.
Children in Caswell County families earning up to 210 percent of the federal poverty level may qualify for NC Health Choice, the state CHIP program, which covers pediatric primary care, dental, and vision services at low or no cost.
Pregnant women in Caswell County are eligible for Medicaid coverage at higher income thresholds than the standard adult limit, ensuring prenatal and delivery care is accessible regardless of insurance status.
Caswell County seniors with limited income and assets may qualify for dual eligibility, receiving both Medicare and Medicaid benefits that together cover a broad range of medical, prescription, and long-term care services.
Caswell County residents with disabilities who meet functional and financial criteria may qualify for NC Medicaid, with the county's 15.7 percent poverty rate indicating that a meaningful portion of the population may be eligible for assistance programs.
Health Plans of NC licensed agents serve Caswell County residents at no cost, comparing every available plan side-by-side and guiding you through enrollment from start to finish. Call 800-797-0327 today to get a free personalized quote and find out which plan best fits 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 Caswell 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.
Caswell County does not have a hospital within its borders. The hospitals below are located in neighboring counties and serve Caswell County residents.
Hospital | Address | Phone |
|---|---|---|
Cone Health Alamance Regional Medical Center | 1240 Huffman Mill Rd, Burlington, NC 27215 | |
UNC Medical Center | 101 Manning Dr, Chapel Hill, NC 27514 | |
Person Memorial Hospital | 615 Ridge Rd, Roxboro, NC 27573 | |
UNC Health Rockingham | 117 E Kings Hwy, Eden, NC 27288 |
Clinic | Address | Phone |
|---|---|---|
CFMC Urgent Care | 439 US Highway 158 W STE B, Yanceyville, NC 27379 | |
Caswell Family Medical Center | 439 US Highway 158 W, Yanceyville, NC 27379 | |
Compassion Health Care - CFMC at North Village Pharmacy | 1493 Main St, Yanceyville, NC 27379 | |
Person Family Dental Center Caswell Site | 1076 NC Highway 86 North, Yanceyville, NC 27379 | |
Piedmont Health Services | 322 Main St, Prospect Hill, NC 27314 | |
Prospect Hill Community Health Center | 322 Main St, Prospect Hill, NC 27314 | |
Caswell Cnty Health Dept Flu and Pneumonia | 189 County Park Rd., Yanceyville, NC 27379 | |
Rudd Ridge Family Care Home | 643 Rudd Ridge Rd, Yanceyville, NC 27379 | |
Yanceyville Primary Care | 1499 Main St, Yanceyville, NC 27379 | |
Empowering U | 3911 Slade Rd, Blanch, NC 27212 |
Caswell County ZIP Codes include: 27212, 27291, 27305, 27311, 27314, 27315, and 27379
