Find Your Most Affordable Health Insurance Plan in Chowan County
in North Carolina
Chowan 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 Chowan County, NC with Health Plans of NC. Health Plans of NC helps residents of Chowan County, NC find affordable health coverage through licensed local agents who compare every available plan at no cost, serving families and individuals connected to employers like ECU Health and Colony Tire Corporation.
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 |
Chowan County is home to 13,814 residents, a community that has grown 0.8 percent since 2020 and includes 1.8 percent foreign-born residents who may need assistance navigating coverage options in their preferred language. Major local employers such as Meherrin Agricultural and Chemical, Edenton-Chowan Schools, ECU Health, Colony Tire Corporation, and Chowan County government each offer different coverage situations, meaning residents may need ACA Marketplace plans, Medicaid, or employer-sponsored insurance depending on their job. Health Plans of NC helps every type of household in Chowan County identify the right coverage path, whether through the ACA Marketplace, a government program, or a short-term solution.
ACA Marketplace coverage is available for Chowan County residents who are self-employed, work for smaller employers like Colony Tire Corporation, or do not have access to job-based insurance.
North Carolina Medicaid now covers a broader range of Chowan County adults, including those working part-time or seasonal roles at employers such as Meherrin Agricultural and Chemical.
Employer-sponsored insurance is offered by larger Chowan County employers such as Edenton-Chowan Schools and ECU Health, covering employees and often their dependents through group health plans.
Short-term health coverage provides a temporary bridge for Chowan County residents between jobs or waiting for open enrollment at employers like Chowan County government.
COBRA continuation coverage allows Chowan County residents who recently left positions at ECU Health or other local employers to maintain their existing group plan for a limited period.
Small business SHOP Marketplace plans are available for Chowan County small business owners, including those in agriculture and trades, who want to offer group coverage to their employees.
Chowan County residents have access to 15 ACA Marketplace plans for 2026 through Blue Cross NC, spanning two distinct provider networks, Blue Advantage and Blue Care, both structured as PPO plans that allow broad access to physicians and facilities. Blue Advantage connects Chowan County residents to the largest nationwide PPO network, while Blue Care provides a broad statewide PPO network, both of which include ECU Health Chowan Hospital and surrounding ECU Health clinics in Edenton as in-network providers. Choosing between these networks affects which specialists, hospitals, and primary care providers are covered at in-network rates, making it important to verify that your preferred ECU Health providers are included before enrolling.
Blue Advantage, a PPO network, includes ECU Health Chowan Hospital and gives Chowan County residents access to more than 95 percent of NC doctors at in-network rates.
Blue Care, a PPO network, covers approximately 92 percent of NC doctors in-network and includes ECU Health facilities serving Chowan County such as ECU Health Internal Medicine and ECU Health Multispecialty in Edenton.
Both Blue Advantage and Blue Care PPO networks allow Chowan County residents to see specialists without a referral, a benefit for those using ECU Health Neurology or ECU Health Multispecialty in Edenton.
ECU Health Chowan Hospital at 211 Virginia Rd in Edenton is a key in-network facility under both Blue Advantage and Blue Care plans available to Chowan County residents for 2026.
Chowan County residents who use regional ECU Health clinics for specialty care, including ECU Health Internal Medicine and ECU Health Multispecialty, should confirm in-network status under their chosen PPO network before enrolling.
Both PPO networks available in Chowan County extend coverage beyond Edenton, connecting residents to a broader set of ECU Health regional facilities across northeastern North Carolina.
Bronze plans in Chowan County start at approximately $482.73/month before subsidies. With a median household income of $56,982, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Chowan County start at $482.73 per month before subsidies, offering the lowest monthly premium with a higher deductible for residents in good health.
Silver plans start at $620.43 per month before subsidies and are the only tier eligible for cost-sharing reductions, which lower deductibles and out-of-pocket costs for qualifying Chowan County households.
Gold plans start at $641.58 per month before subsidies and provide lower out-of-pocket costs throughout the year, making them a strong fit for residents with frequent healthcare needs.
Chowan County households earning up to 150 percent of the federal poverty level may qualify for a zero-dollar premium Silver plan under enhanced ACA subsidy rules currently in effect.
With a median household income of $56,982, many Chowan County residents earning between 100 and 400 percent of the federal poverty level qualify for premium tax credits that reduce their monthly Bronze, Silver, or Gold plan costs.
Self-employed residents, agricultural workers, and small business owners in Chowan County who purchase coverage through the ACA Marketplace can apply premium tax credits directly to their monthly bill, lowering costs at the time of payment.
Blue Cross NC, also known as Blue Cross and Blue Shield of North Carolina, is the sole carrier offering ACA-compliant Marketplace plans in Chowan County for 2026, with a total of 15 plans available to county residents. These plans are offered through two PPO network options, Blue Advantage and Blue Care, giving residents flexibility in how broadly they can access providers across North Carolina and nationally. Blue Advantage connects Chowan County residents to the largest nationwide PPO network, covering more than 95 percent of NC doctors in-network, while Blue Care provides a broad statewide PPO network covering approximately 92 percent of NC doctors. The network a resident selects directly determines which local hospitals, primary care physicians, and specialists are covered at in-network rates, making the choice between Blue Advantage and Blue Care a meaningful decision for households that rely on specific Chowan County or regional providers. Health Plans of NC compares every available Blue Cross NC plan side-by-side at no cost, helping Chowan County residents evaluate premiums, deductibles, and provider access together before enrolling.
Blue Cross NC, PPO plans under Blue Advantage and Blue Care networks, 15 plans available in Chowan County for 2026.
North Carolina expanded Medicaid in December 2023, extending free or low-cost coverage to adults in Chowan County who earn up to 138 percent of the federal poverty level. Chowan County currently has an uninsured rate of 8.9 percent, representing approximately 1,000 residents who may be leaving Medicaid eligibility or marketplace subsidies unclaimed. Children in Chowan County 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 kids. Health Plans of NC provides free eligibility checks for Chowan County residents who want to find out whether they qualify for Medicaid, CHIP, or another coverage program.
Working adults in Chowan County who earn at or below 138 percent of the federal poverty level are now eligible for North Carolina Medicaid following the December 2023 expansion.
Children in Chowan County whose family income falls at or below 210 percent of the federal poverty level may qualify for NC Health Choice, which provides comprehensive low-cost coverage for minors.
Pregnant women in Chowan County may qualify for Medicaid coverage during pregnancy and for a period after delivery, regardless of immigration status in some circumstances, through the NC Medicaid program.
Chowan County residents with disabilities or very low incomes may qualify for full Medicaid benefits, including long-term care and behavioral health services, through eligibility categories beyond the expansion pathway.
With a poverty rate of 20.5 percent in Chowan County, a significant share of local residents likely meet the income threshold for Medicaid or qualify for heavily subsidized Marketplace coverage, and a free eligibility check with Health Plans of NC can confirm their options.
Health Plans of NC licensed agents serve Chowan 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 speak with an agent who can help you find the right coverage for your household.
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 Chowan 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 |
Chowan County ZIP Codes include: 27932 and 27980
