Find Your Most Affordable Health Insurance Plan in Cumberland County
in North Carolina
Cumberland 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 Cumberland County, NC with Health Plans of NC. Health Plans of NC helps Cumberland County residents find and enroll in the right health insurance coverage at no cost, connecting individuals and families to plans that work with local providers like Cape Fear Valley Medical Center and Fort Liberty's surrounding employer community.
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 |
Cumberland County is home to 336,749 residents, with a population that has grown 0.6 percent since 2020 and a foreign-born community representing 6.7 percent of the total population, reflecting a diverse set of coverage needs across the county. Major employers including Fort Liberty, Cumberland County Schools, Cape Fear Valley Health, Walmart, and the County of Cumberland each shape the coverage landscape differently, with some workers accessing employer-sponsored benefits and others turning to marketplace or public programs. Health Plans of NC helps all Cumberland County residents navigate every available coverage pathway, from individual marketplace plans to publicly funded programs, ensuring no one has to search alone.
ACA Marketplace plans are available to Cumberland County residents who are not covered through a job, offering individual and family coverage through Blue Cross NC with access to Cape Fear Valley Medical Center and Highsmith-Rainey Specialty Hospital.
Medicaid coverage is available to eligible low-income Cumberland County adults and families following North Carolina's Medicaid expansion, including many workers employed by smaller businesses or part-time positions at local employers like Walmart.
Employer-sponsored health insurance is available to many Cumberland County workers through major employers such as Fort Liberty, Cumberland County Schools, Cape Fear Valley Health, and the County of Cumberland, often covering a significant share of monthly premiums.
Short-term health plans may provide temporary coverage for Cumberland County residents between jobs or waiting for open enrollment, offering limited benefits outside the ACA marketplace structure.
COBRA continuation coverage allows eligible Cumberland County residents who recently lost employer-sponsored insurance through a local employer to maintain their existing plan temporarily while they evaluate longer-term options.
Small business SHOP marketplace plans are available to Cumberland County small business owners who want to offer health benefits to employees, providing access to Blue Cross NC coverage for teams not large enough for traditional group contracts.
For 2026, Cumberland County residents can choose from plans offered under two Blue Cross NC networks, Blue Advantage and Blue Care, both structured as PPO plans that provide flexibility in accessing providers across the region. Blue Advantage offers the broadest nationwide network, with more than 95 percent of North Carolina doctors participating in-network, while Blue Care provides broad statewide coverage with more than 92 percent of North Carolina doctors in-network, both connecting Cumberland County residents to local facilities including Cape Fear Valley Medical Center and Highsmith-Rainey Specialty Hospital. Health Plans of NC can help residents compare these networks side-by-side to ensure their preferred providers and specialists are covered before they enroll.
Blue Advantage, a PPO network, includes more than 95 percent of North Carolina doctors in-network and connects Cumberland County residents to Cape Fear Valley Medical Center and Highsmith-Rainey Specialty Hospital at in-network rates.
Blue Care, a PPO network, covers more than 92 percent of North Carolina doctors in-network and provides Cumberland County residents with broad statewide access to hospitals and specialists beyond the immediate Fayetteville area.
Both Blue Advantage and Blue Care PPO plans allow Cumberland County members to see specialists without a referral, offering flexibility for residents managing ongoing care at local health systems.
Blue Advantage's nationwide network reach is particularly valuable for Cumberland County residents affiliated with Fort Liberty who may need care when traveling or stationed temporarily outside North Carolina.
Blue Care's broad statewide PPO network ensures that Cumberland County residents in surrounding communities outside Fayetteville can still access in-network providers across North Carolina without being limited to a narrow local provider list.
Health Plans of NC agents compare every available 2026 plan under both the Blue Advantage and Blue Care networks to help Cumberland County residents identify which PPO option best matches their provider preferences and coverage needs.
Bronze plans in Cumberland County start at approximately $439.77/month before subsidies. With a median household income of $58,780, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Cumberland County start at $439.77 per month before subsidies, offering the lowest monthly premiums with higher deductibles, making them well suited for residents who want catastrophic protection at minimal ongoing cost.
Silver plans in Cumberland County start at $576.48 per month before subsidies and are the only tier eligible for cost-sharing reductions, which can lower deductibles and copays for qualifying residents.
Gold plans in Cumberland County start at $604.90 per month before subsidies, providing lower out-of-pocket costs throughout the year, which can be a better value for residents who use medical services frequently.
Premium tax credits based on income can reduce monthly costs across all tiers, and Cumberland County residents with incomes near the lower end of the eligibility range may qualify for plans with very low or even zero dollar monthly premiums.
Cumberland County residents with household incomes up to 400 percent of the federal poverty level qualify for premium tax credits, and those near 100 to 150 percent of the federal poverty level may access enhanced subsidies that bring Silver plan premiums to near zero.
Out-of-pocket maximums for 2026 ACA plans cap the total annual cost a Cumberland County enrollee pays for covered services, providing a financial ceiling that protects against unexpected high medical expenses throughout the plan year.
Blue Cross NC is the sole ACA-compliant marketplace carrier offering plans in Cumberland County for 2026, with 15 plans available to individuals and families across the county. These 15 plans span multiple coverage levels and are offered under two PPO networks, Blue Advantage and Blue Care, each providing different levels of statewide and nationwide provider access. Blue Advantage connects Cumberland County enrollees to the largest nationwide network, while Blue Care provides broad statewide access, both including key local facilities like Cape Fear Valley Medical Center and Highsmith-Rainey Specialty Hospital. The choice between Blue Advantage and Blue Care directly affects which local providers, specialists, and hospitals a Cumberland County resident can visit at in-network rates, making careful plan and network comparison essential before enrollment. Health Plans of NC agents compare every one of the 15 available Blue Cross NC plans side-by-side at no cost, helping Cumberland County residents identify the best fit for their provider preferences and budget.
Blue Cross NC (Blue Cross and Blue Shield of North Carolina), offering PPO plans under the Blue Advantage and Blue Care networks, with 15 individual and family plans available in Cumberland County for 2026.
North Carolina expanded Medicaid in December 2023, extending eligibility to adults earning up to 138 percent of the federal poverty level and creating a new pathway to free or low-cost coverage for many Cumberland County residents who were previously uninsured. Cumberland County currently has an uninsured rate of 10.4 percent, representing approximately 35,000 residents without coverage, many of whom may now qualify for Medicaid or other subsidized programs they have not yet accessed. Children in Cumberland County families earning up to 210 percent of the federal poverty level may qualify for NC Health Choice, the state's Children's Health Insurance Program, providing low-cost coverage for kids whose families earn too much for Medicaid but still need assistance. Health Plans of NC offers free eligibility checks for Cumberland County residents who are unsure whether they qualify for Medicaid, CHIP, or marketplace subsidies.
Working adults in Cumberland County earning up to 138 percent of the federal poverty level now qualify for Medicaid under North Carolina's expansion, including many part-time and seasonal workers who previously lacked affordable coverage options.
Children in Cumberland County families qualify for NC Health Choice, the state CHIP program, when household income falls up to 210 percent of the federal poverty level, providing comprehensive pediatric coverage at little to no monthly cost.
Pregnant women in Cumberland County are eligible for Medicaid coverage that includes prenatal care, labor and delivery, and postpartum services, ensuring access to maternity care at Cape Fear Valley Medical Center and other local providers.
Cumberland County's poverty rate of 17.2 percent means a significant share of residents may qualify for Medicaid or CHIP, particularly families with children and adults working in lower-wage positions at local employers.
Individuals with disabilities in Cumberland County may qualify for Medicaid regardless of age, providing access to long-term care, rehabilitation, mental health services, and specialty care through participating local providers.
Health Plans of NC licensed agents serve Cumberland County residents at no cost, comparing all available 2026 plans side-by-side to help you find the right coverage for your providers, budget, and family needs. Call 800-797-0327 today to get personalized plan recommendations and complete your enrollment with expert guidance.
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 Cumberland 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 |
|---|---|---|
Atrium Health Anson | 2301 US Highway 74 W, Wadesboro, NC 28170 | (704) 994-4500 |
Betsy Johnson Hospital | 800 Tilghman Dr, Dunn, NC 28334 | (910) 892-1000 |
Cape Fear Valley Medical Ctr | 1638 Owen Dr, Fayetteville, NC 28304 | (910) 615-4000 |
Central Carolina Hospital | 1135 Carthage St, Sanford, NC 27330 | (919) 774-2100 |
Central Harnett Hospital | 215 Brightwater Dr, Lillington, NC 27546 | (910) 892-1000 |
Fayetteville VA Hosp Med Ctr | 2300 Ramsey St, Fayetteville, NC 28301 | (910) 488-2120 |
First Health Montgomery Meml | 520 Allen St, Troy, NC 27371 | (910) 571-5000 |
First Health Moore Regl Hosp-Hk | 6408 Fayetteville Rd, Raeford, NC 28376 | (910) 878-6000 |
First Health Moore Regl Hosp | 155 Memorial Dr, Pinehurst, NC 28374 | (910) 715-1000 |
First HealthMoore Regl Hosp | 925 S Long Dr, Rockingham, NC 28379 | (910) 417-3000 |
Highsmith-Rainey Spec Hosp | 150 Robeson St, Fayetteville, NC 28301 | (910) 615-1000 |
Hoke Hospital | 210 Medical Pavilion Dr, Raeford, NC 28376 | (910) 904-8000 |
Scotland Memorial Hospital | 500 Lauchwood Dr, Laurinburg, NC 28352 | (910) 291-7000 |
Womack Army Medical Ctr | 2817 Reilly St, Fort Bragg, NC 28310 | (910) 907-6000 |
Clinic | Address | Phone |
|---|---|---|
Alamance Ear Nose & Throat LLP | 4030 Oaks Professional Pkwy # 201, Burlington, NC 27215 | (336) 226-0660 |
Alamance Regional Medical Ctr | 1240 Huffman Mill Rd, Burlington, NC 27215 | (336) 538-7000 |
Alamance Regional Pain Clinic | 1236 Huffman Mill Rd # 2000, Burlington, NC 27215 | (336) 538-7180 |
Bethany Medical At North Main | 819 N Main St # 112, High Point, NC 27262 | (336) 289-2299 |
Bethany Medical At South Main | 2805 S Main St, High Point, NC 27263 | (336) 289-2727 |
Bethany Medical Ctr | 3604 Peters Ct, High Point, NC 27265 | (336) 883-0029 |
Bethany Medical Ctr | 3801 W Market St, Greensboro, NC 27407 | (336) 883-0029 |
Bethany Medical Ctr | 507 N Lindsay St, High Point, NC 27262 | (336) 883-0029 |
Central Carolina Health Ntwrk | 1 Centerview Dr # 202, Greensboro, NC 27407 | (336) 292-0665 |
Chapel Hill Obstetrics-Gynclgy | 6216 Fayetteville Rd, Durham, NC 27713 | (919) 942-8571 |
Clinical Choice | 7300 Cessna Dr, Greensboro, NC 27409 | (336) 550-4180 |
Cone Health Covid-19 Testing | 1238 Huffman Mill Rd, Burlington, NC 27215 | (336) 890-1140 |
Cone Health Covid-19 Testing | 1830 Lendew St, Greensboro, NC 27408 | (336) 890-1140 |
Cone Health Covid-19 Testing | 2363 Corporation Pkwy, Burlington, NC 27215 | (336) 890-1140 |
Cone Health Covid-19 Testing | 525 Maple Ave, Reidsville, NC 27320 | (336) 890-1140 |
Cone Health Covid-19 Testing | 617 S Main St, Reidsville, NC 27320 | (336) 890-1140 |
Cone Health Ctr For Maternal | 930 3rd St # 200, Greensboro, NC 27405 | (336) 890-3255 |
Cone Health Mebane Physical | 102 Medical Park Dr, Mebane, NC 27302 | (919) 304-5060 |
Cone Health Medcenter Mebane | 3940 Arrowhead Blvd # 110, Mebane, NC 27302 | (919) 568-7300 |
Cone Health Outpatient Rehab | 618 S Main St Inside Annie Pen, Reidsville, NC 27320 | (336) 951-4000 |
Cone Health Sleep Disorders | 509 N Elam Ave # 300-D, Greensboro, NC 27403 | (336) 832-0410 |
Cone Health Women's-Children's | 1121 N Church Street Entrance, Greensboro, NC 27401 | (336) 832-6500 |
Duke Cancer Ctr Acute Care | 20 Duke Medicine Cir, Durham, NC 27710 | (919) 668-6608 |
Duke Cancer Ctr Radiation | 20 Duke Medicine Cir, Durham, NC 27710 | (919) 660-2100 |
Duke Children's Health Ctr | 2301 Erwin Rd # 34ththfloor, Durham, NC 27705 | (919) 613-7777 |
Duke Health | 234 Crooked Creek Pkwy # 500, Durham, NC 27713 | (919) 684-3834 |
Duke Pediatric Dermatology | 5324 Mcfarland Rd # 410, Durham, NC 27707 | (919) 684-3432 |
Duke University Med Ctr Gen | , Durham, NC 27701 | (919) 684-2410 |
Duke University Med Ctr Gen | , Durham, NC 27710 | (919) 681-4722 |
Duke University Med Ctr Gen | PO Box 90950, Durham, NC 27708 | (919) 681-2020 |
Duke Wound Mgmt Clinic-Clinic | 40 Duke Medicine Cir, Durham, NC 27710 | (919) 684-3432 |
Health Center Of Hillsborough | 401 Meadowlands Dr # 101, Hillsborough, NC 27278 | (919) 241-5032 |
Lebauer Healthcare At Green | 709 Green Valley Rd, Greensboro, NC 27408 | (336) 547-1792 |
Lebauer Healthcare Grandover | 4023 Guilford College Rd, Greensboro, NC 27407 | (336) 890-2040 |
Lebauer Primary Care At Elam | 520 N Elam Ave, Greensboro, NC 27403 | (336) 547-1792 |
Renaissance Family Medicine | 2525c Phillips Ave, Greensboro, NC 27405 | (336) 832-7711 |
Sleep Disorders Ctr At | 1248 Huffman Mill Rd # 101, Burlington, NC 27215 | (866) 937-6692 |
UNC At Chapel Hill Medical Ctr | Cb 7010, Chapel Hill, NC 27599 | (919) 966-5136 |
UNC Hospitals Lab Hillsborough | 460 Waterstone Dr # Firstfloor, Hillsborough, NC 27278 | (919) 595-5970 |
UNC Hospitals Multispecialty | 101 Manning Dr # Firstfloor, Chapel Hill, NC 27514 | (984) 974-0150 |
University-NC-Health Care | 100 Sprunt St, Chapel Hill, NC 27517 | (919) 966-5500 |
Cumberland County ZIP Codes include: 28301, 28302, 28303, 28304, 28305, 28307, 28308, 28309, 28310, 28311, 28312, 28314, 28331, 28342, 28348, 28391, and 28395
