Find Your Most Affordable Health Insurance Plan in Craven County
in North Carolina
Craven County residents can compare 16 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 Craven County, NC with Health Plans of NC. Health Plans of NC helps Craven County residents compare and enroll in health insurance coverage at no cost, connecting locals with plans that fit their needs and budget. Whether you work at MCAS Cherry Point, CarolinaEast Health System, or anywhere across the county, licensed agents are ready to guide you through your options.
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 |
Craven County is home to 101,074 residents and has grown 0.4 percent since 2020, with 4.1 percent of the population being foreign-born, reflecting a diverse community with a wide range of health coverage needs. Major employers including MCAS Cherry Point, CarolinaEast Health System, Craven County Schools, BSH Home Appliances, and Craven County itself offer a variety of pathways to coverage depending on employment status and household circumstances. Health Plans of NC helps residents explore every available option, from ACA Marketplace plans to Medicaid, ensuring no Craven County resident is left without guidance on the coverage that fits their situation.
ACA Marketplace plans are available to Craven County residents who are self-employed, work part-time, or whose employer does not offer qualifying coverage, with enrollment supported through Health Plans of NC.
Medicaid coverage is available to eligible low-income Craven County residents and covers services at participating local providers including CarolinaEast Medical Center and Craven County Health Department programs.
Employer-sponsored group coverage is available to many workers at major Craven County employers such as MCAS Cherry Point, CarolinaEast Health System, and Craven County Schools, typically offering lower premiums through shared employer and employee contributions.
Short-term coverage options can bridge gaps for Craven County residents who are between jobs or waiting for open enrollment, providing temporary protection while accessing the county's network of primary care and specialty providers.
COBRA continuation coverage allows Craven County residents who lose employer-sponsored insurance, such as from positions at BSH Home Appliances or Craven County government, to maintain their existing plan temporarily after a qualifying life event.
Small business SHOP plans are available to Craven County small business owners who want to offer group health coverage to their employees, with Health Plans of NC agents providing free guidance on plan selection and enrollment.
For 2026, Craven County residents can choose from Blue Cross NC plans offered under two distinct networks, Blue Advantage and Blue Care, each providing access to CarolinaEast Medical Center in New Bern and a broad range of providers across the region. Blue Advantage is a PPO network with the largest nationwide coverage, while Blue Care is a PPO network with broad statewide reach, giving residents meaningful flexibility in how they access care. Health Plans of NC agents help Craven County residents compare both networks side-by-side to ensure their preferred doctors, specialists, and facilities are in-network before enrollment.
Blue Advantage, a PPO network, includes over 95 percent of NC doctors in-network and connects Craven County residents to CarolinaEast Medical Center and providers across the state and nation.
Blue Care, a PPO network, covers over 92 percent of NC doctors in-network and provides Craven County residents with broad statewide access to hospitals including CarolinaEast Medical Center in New Bern.
Both Blue Advantage and Blue Care PPO plans allow Craven County residents to see specialists without a referral, offering flexibility for those who regularly access specialty services at CarolinaEast Medical Center.
Residents who receive care at area clinics such as Goshen Medical Center in New Bern or Cape Carteret Family Medicine should verify in-network status under Blue Advantage or Blue Care before selecting a plan.
Plan metal tiers including Bronze, Silver, Gold, and catastrophic options are available across both Blue Advantage and Blue Care networks, letting Craven County residents balance monthly premiums against out-of-pocket costs.
Health Plans of NC compares every 2026 Blue Cross NC plan across both networks at no cost, helping Craven County residents identify which network and tier best matches their care preferences and provider relationships.
Bronze plans in Craven County start at approximately $463.63/month before subsidies. With a median household income of $64,635, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Craven County start at $463.63 per month for a 35-year-old, offering the lowest monthly premiums with higher deductibles, making them a common choice for generally healthy individuals.
Silver plans start at $593.60 per month for a 35-year-old and are the only tier eligible for cost-sharing reductions, which can lower deductibles and copays for qualifying Craven County residents.
Gold plans start at $626.35 per month for a 35-year-old and feature higher monthly premiums offset by lower out-of-pocket costs, suiting residents who use healthcare services frequently throughout the year.
Craven County residents earning up to 150 percent of the federal poverty level may qualify for zero-dollar premium Silver plans through enhanced federal subsidies currently available in North Carolina.
Many Craven County households with incomes near the county median of $64,635 qualify for meaningful premium tax credits that reduce the monthly cost of Silver or Gold coverage substantially.
Catastrophic coverage is available for Craven County residents under age 30 or those who qualify for a hardship exemption, providing low-premium protection against worst-case medical expenses.
For 2026, Blue Cross NC is the ACA-compliant carrier offering Marketplace health insurance plans in Craven County, with 16 total plans available to individuals and families. These plans are offered across two networks, Blue Advantage and Blue Care, both structured as PPOs that give residents flexibility to access care without referrals. Blue Advantage connects Craven County residents to the largest nationwide provider network with over 95 percent of NC doctors in-network, while Blue Care provides broad statewide coverage with over 92 percent of NC doctors participating, both anchored locally by CarolinaEast Medical Center in New Bern. The network a resident selects directly affects whether they can access care at CarolinaEast Medical Center, area specialty clinics, or the Craven County Health Department under in-network benefits, making this a decision with real local consequences. Health Plans of NC compares every available Blue Cross NC plan side-by-side at no cost, helping Craven County residents identify the carrier, network, and tier that best fits their budget and care preferences.
Blue Cross NC (Blue Cross and Blue Shield of North Carolina), PPO plans under Blue Advantage and Blue Care networks, 16 total plans available in Craven County for 2026.
North Carolina expanded Medicaid in December 2023, and Craven County residents earning up to 138 percent of the federal poverty level may now qualify for free or low-cost Medicaid coverage, including services at CarolinaEast Medical Center and Craven County Health Department programs. With an uninsured rate of 8.8 percent representing approximately 9,000 Craven County residents without coverage, thousands of locals may now be eligible for Medicaid who were not previously covered. Children in families earning up to 210 percent of the federal poverty level may qualify for NC Health Choice, the state's CHIP program, providing low-cost coverage for pediatric care across the county. Health Plans of NC offers free eligibility checks so Craven County residents can quickly find out whether they qualify for Medicaid, CHIP, or a subsidized Marketplace plan.
Working adults in Craven County who are employed part-time or in low-wage positions at local businesses may now qualify for Medicaid under the state's December 2023 expansion.
Children in Craven County families may qualify for NC Health Choice (CHIP) if household income falls within the program's eligibility range, covering doctor visits, prescriptions, and preventive care.
Pregnant women in Craven County are eligible for expanded Medicaid coverage that includes prenatal care, delivery services, and postpartum care at CarolinaEast Medical Center and other participating providers.
With a county poverty rate of 13.9 percent, a substantial share of Craven County residents may qualify for Medicaid, particularly those whose incomes fall at or below the federal poverty threshold.
Craven County residents with disabilities or seniors with low incomes may qualify for Medicaid programs that cover long-term services, prescriptions, and specialty care through participating local providers.
Health Plans of NC licensed agents serve Craven 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 personalized help finding the plan that fits your health 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 Craven 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 |
Craven County ZIP Codes include: 28519, 28523, 28526, 28527, 28532, 28533, 28560, 28561, 28562, 28563, 28564, and 28586
