Find Your Most Affordable Health Insurance Plan in Currituck County
in North Carolina
Nationwide (BlueCard®)
Blue Advantage is a PPO health plan from Blue Cross and Blue Shield of North Carolina (Blue Cross NC) offering the company's largest nationwide network of doctors, specialists, and hospitals. More than 95% of North Carolina doctors and 98% of North Carolina hospitals are in-network, and coverage travels with you nationwide through the BlueCard® program, which is accepted in nearly 200 countries and territories worldwide.
Because it's a PPO, Blue Advantage gives you the fewest restrictions on which doctors you can see: no referrals to see a specialist, and out-of-network care is still covered (at a lower benefit level). It typically carries a higher premium than Blue Cross NC's in-state-only plans, so it's the plan we recommend when provider choice and nationwide access matter more than getting the lowest possible premium.
Blue Advantage is built for people who want the fewest restrictions on which doctors they can see. It's a strong fit if you travel frequently for work or split time between two states, have an established specialist relationship you don't want to disrupt, want emergency care covered at the in-network rate anywhere in the world, or simply value provider choice over the lowest possible monthly premium.
It's a weaker fit if you rarely leave North Carolina and don't need nationwide access. In that case, Blue Care offers nearly identical in-state provider access at a lower premium, and one of the regional Blue Home plans may lower your premium even further if your doctors belong to a single health system.
Nationwide network – Nationwide (BlueCard®)
Network: Anywhere in the U.S. and abroad2; 95%+ of NC doctors.1
Out-of-area care: Covered (lower benefit level).
Offered in Bronze, Silver, and Gold tiers.
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.
Blue Advantage is a PPO, which means you don't need a referral to see a specialist, and you're never limited to a single network — you're just paying more if you step outside it. If you see an in-network provider, you get the plan's full benefit level. If you see someone out-of-network, the plan still pays, just at a reduced benefit level, and you're responsible for the difference.
Because Blue Cross NC has more than 95% of North Carolina doctors and 98% of North Carolina hospitals in-network, most members rarely need to use that out-of-network benefit — but it's there if your situation calls for it.
Blue Advantage is the only Blue Cross NC individual plan built for people who leave the state. Through the BlueCard® program, your in-network benefits travel with you anywhere in the U.S. — so if you split time between two states, have kids away at college, or travel for work, you're not stuck finding a new plan or a new doctor.
Emergency care is covered at the in-network rate worldwide, including in nearly 200 countries and territories through BlueCard Worldwide®.
Blue Advantage typically carries a higher premium than Blue Cross NC's in-state-only plans like Blue Care or the regional Blue Home plans. That's the trade-off for the broadest network and out-of-network safety net Blue Cross NC offers. Like every Blue Cross NC ACA plan, it's available in Bronze, Silver, and Gold tiers, and most applicants qualify for a premium tax credit that lowers the monthly cost based on income and household size.
If nationwide access isn't something you need, it's worth comparing Blue Advantage against Blue Care or a Blue Home plan first — you may get nearly identical in-state coverage for meaningfully less.
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 specific doctors are in-network, check what subsidy you qualify for, and compare Blue Advantage against the other six Blue Cross NC plans with you — at no cost. Call 800-797-0327.
Blue Advantage is a PPO (Preferred Provider Organization) plan. That means you can see out-of-network providers — you’ll just pay more — and you generally don’t need a referral to see a specialist. It’s the most flexible network Blue Cross NC offers.
Yes. Blue Advantage includes nationwide in-network access through the BlueCard® program, and emergency care is always covered at the in-network benefit level no matter where you are — including in nearly 200 countries and territories worldwide.
Yes, Blue Advantage is available in all 100 North Carolina counties. In 25 of them it’s available off-Marketplace only, meaning you’d enroll directly (through an agent or Blue Cross NC) rather than through HealthCare.gov. A Health Plans of NC agent can handle either path for you.
Both give you nearly the same broad in-state network (about 95% of NC doctors), but Blue Advantage is a PPO that adds nationwide out-of-network coverage, while Blue Care is an HMO limited to North Carolina with no out-of-network benefit except emergencies. Blue Advantage costs a bit more for that added flexibility.
Our recommendation: choose Blue Advantage if you travel, split time between states, or want maximum provider choice; choose Blue Care if you stay in NC and want to save on premium.
Statewide NC network
Blue Care is an HMO health plan from Blue Cross NC that offers the company's largest in-state network — more than 95% of North Carolina doctors and 98% of NC hospitals in-network — at a lower monthly premium than the nationwide Blue Advantage PPO.
The trade-off for that lower premium is that Blue Care keeps your care inside North Carolina: outside of urgent and emergency situations, only in-network NC providers are covered, and there's no out-of-network benefit. For NC residents who rarely travel, Blue Care delivers almost the same broad provider choice as Blue Advantage for less money — which is why we often recommend it as the best-value option for people who stay in-state.
Blue Care fits residents who live and receive their care entirely within North Carolina, want broad in-state provider choice without paying for nationwide coverage they won't use, and are comfortable with no out-of-network benefit outside of emergencies.
It's a poor fit if you split time between states, have kids at out-of-state college, or travel frequently for work — non-emergency care outside North Carolina isn't covered. If that's you, Blue Advantage is the better choice.
Statewide network – Statewide NC network
Network: North Carolina only. A large network, with more than 95% of North Carolina doctors and 98% of North Carolina hospitals in-network.
Out-of-area care: Emergency / urgent only.
Offered in Bronze, Silver, and Gold tiers.
Blue Care is available in all North Carolina counties, except: Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Orange, Person, and Wake.
Blue Care is an HMO built on Blue Cross NC's largest in-state network — more than 95% of North Carolina doctors and 98% of NC hospitals in-network. It's priced lower than the nationwide Blue Advantage PPO because it trades nationwide access for coverage that stays inside North Carolina.
Outside of emergency and urgent care, only in-network NC providers are covered — there's no out-of-network benefit to fall back on, so it's worth confirming your specific doctors participate before you enroll.
Blue Care is sold in every NC county except Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Orange, Person, and Wake — those counties fall inside the Triangle-area service area for the Blue Home with UNC Health Alliance plan instead. If you live in one of the excluded counties, Blue Care isn't available to you regardless of which providers you use.
Because the in-state network is nearly as broad as Blue Advantage's, most Blue Care members never notice a difference in provider choice day to day — the difference only shows up if you need care outside North Carolina.
Blue Care's premium runs lower than Blue Advantage's specifically because it removes the nationwide and out-of-network safety net. It's offered in Bronze, Silver, and Gold tiers, and most applicants qualify for a premium tax credit that lowers the monthly cost based on income and household size.
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 doctors are in-network, check your subsidy, and compare Blue Care against Blue Advantage and the regional plans — at no cost. Call 800-797-0327.
Yes. Blue Care is structured as an HMO with a statewide North Carolina network. Outside of urgent and emergency situations, care is only covered when you use in-network NC providers.
Only urgent and emergency care is covered outside your Blue Care network. Routine or non-emergency care while traveling out of state is not covered, so Blue Care is best for people who receive their care in North Carolina.
Blue Care isn’t offered in Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Orange, Person, or Wake counties. In several of those counties, Blue Home with UNC Health Alliance is offered instead.
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 | 18 |
| Cigna Healthcare | 10 |
| Total | 28 |
Source: CMS QHP Landscape PY2026, Individual Market Medical, updated August 26, 2026 (data.healthcare.gov). Counts distinct Plan IDs offered on the Marketplace in Currituck County, once per carrier.
in North Carolina
Find affordable health insurance in Currituck County, NC with Health Plans of NC. Health Plans of NC helps Currituck County residents find affordable, comprehensive health coverage by connecting them with every available plan at no cost. Whether you work for Currituck County Schools, Twiddy and Company, or any other local employer, our licensed agents make it easy to compare your options and enroll in the right plan for your family.
Plan Network | Type | Network Coverage |
|---|---|---|
Blue Advantage | PPO | Largest nationwide network, 95%+ of NC doctors in-network |
Blue Care | HMO | Broad statewide network, 95%+ of NC doctors in-network |
Currituck County is home to 29,612 residents and has grown 5.4% since 2020, reflecting a steadily expanding community with diverse coverage needs across areas like Corolla, Moyock, and Jarvisburg. With 2.6% of residents being foreign-born, Health Plans of NC ensures that coverage guidance is accessible to all households navigating the local insurance landscape. Major employers such as Academi Training Center, Food Lion, and the County of Currituck, along with health systems like Sentara Albemarle Medical Center and The Outer Banks Hospital, shape the range of coverage options available to working families in the county.
ACA Marketplace coverage connects Currituck County residents who do not receive benefits from employers like Academi Training Center to comprehensive individual and family plans.
Medicaid provides free or low-cost coverage for qualifying low-income Currituck County residents, including those employed part-time by Food Lion or other local businesses.
Employer-sponsored insurance is available to many Currituck County residents through large local employers such as Currituck County Schools and the County of Currituck government.
Short-term health plans offer a temporary bridge for Currituck County residents between jobs or waiting for employer coverage to begin at employers like Twiddy and Company.
COBRA continuation coverage allows Currituck County residents who recently left jobs at major local employers to maintain their existing health benefits for a limited period.
Small business SHOP plans through the ACA Marketplace allow small Currituck County employers, including local hospitality and real estate businesses near The Outer Banks, to offer group health coverage to their employees.
For 2026, Currituck County residents can choose from plans offered under two Blue Cross NC networks, Blue Advantage and Blue Care, both of which are structures that provide broad access to doctors and facilities without requiring referrals to see specialists. The Blue Advantage PPO network includes 95% or more of North Carolina doctors in-network, while the Blue Care HMO network covers 95% or more of NC providers, giving Currituck County residents strong access to regional health systems and local clinics. Both networks connect policyholders to providers at Sentara Albemarle Medical Center and The Outer Banks Hospital, as well as specialists and facilities throughout the broader northeastern North Carolina region.
Blue Advantage PPO, the largest nationwide network, covers 95% or more of NC doctors and connects Currituck County residents to Sentara Albemarle Medical Center and The Outer Banks Hospital without referrals.
Blue Care HMO offers broad statewide network access covering 95% or more of NC providers, giving Currituck County families a cost-effective HMO option with strong regional provider coverage.
Both Blue Advantage and Blue Care plans allow Currituck County residents to visit specialists at ECU Health facilities in Greenville and Sentara Vascular Specialists in Kitty Hawk directly.
PPO plan structures under both networks give Currituck County policyholders the flexibility to seek care at out-of-network providers when needed, though at higher cost-sharing levels.
Catastrophic-tier plans are available to eligible Currituck County residents under age 30 or those with a qualifying hardship exemption, providing low-premium protection against major medical events.
All 2026 plans in Currituck County include essential health benefits such as preventive care, emergency services, and prescription drug coverage, regardless of which Blue Cross NC network is selected.
Bronze plans in Currituck County start at approximately $463.63/month before subsidies. With a median household income of $91,548, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Currituck County start at $463.63 per month for a 35-year-old, offering the lowest monthly premiums paired with higher deductibles for those who want emergency-level protection.
Silver plans start at $593.60 per month and are the only tier eligible for cost-sharing reductions, making them the most valuable option for subsidy-eligible Currituck County households.
Gold plans begin at $626.35 per month and feature lower out-of-pocket costs, which benefits Currituck County residents who anticipate frequent medical visits or ongoing specialist care.
Currituck County's median household income of $91,548 means many families fall within the subsidy-eligible range and can access premium tax credits that meaningfully reduce monthly plan costs.
Some lower-income Currituck County residents qualify for $0-premium Silver plans after ACA premium tax credits are applied, effectively eliminating the monthly cost of marketplace coverage.
Out-of-pocket maximums for 2026 ACA plans cap the total annual costs Currituck County residents pay for covered services, providing a financial ceiling even on high-deductible Bronze plans.
For 2026, Blue Cross NC is one of two ACA Marketplace carriers serving Currituck County, offering 18 plans across the Blue Advantage and Blue Care networks. The Blue Advantage network is the larger of the two, providing access to the broadest nationwide provider base, while the Blue Care network delivers strong statewide coverage at a broad in-network level across North Carolina. Both networks connect Currituck County policyholders to nearby facilities including Sentara Albemarle Medical Center, The Outer Banks Hospital, and Sentara Vascular Specialists in Kitty Hawk, as well as larger regional systems like ECU Health Medical Center in Greenville. Choosing between the Blue Advantage and Blue Care networks directly affects which specific doctors, specialists, and facilities a Currituck County resident can access at in-network cost-sharing rates, making plan-level comparison critical. Health Plans of NC agents compare every available Blue Cross NC plan side-by-side at no cost, ensuring Currituck County residents choose the plan that best fits their providers, prescriptions, and budget.
Blue Cross NC, offering 18 ACA Marketplace plans for 2026 in Currituck County across Blue Advantage PPO and Blue Care network options.
North Carolina expanded Medicaid in December 2023, extending free or low-cost coverage to adults earning up to 138% of the federal poverty level, opening eligibility to thousands of previously uninsured residents across the state. In Currituck County, approximately 3,000 residents remain uninsured, representing a 9.5% uninsured rate, and many of these individuals may now qualify for Medicaid or subsidized marketplace coverage without realizing it. Children in Currituck County families earning up to 210% of the federal poverty level may qualify for NC Health Choice, the state's CHIP program, which provides comprehensive pediatric benefits at little or no cost. Health Plans of NC offers free eligibility checks for Currituck County residents who are unsure whether they qualify for Medicaid, CHIP, or a subsidized marketplace plan, with licensed agents available to guide families through the enrollment process at no cost.
Working adults in Currituck County who earn low wages or work part-time may qualify for expanded Medicaid if their household income falls at or below 138% of the federal poverty level.
Children in Currituck County are eligible for NC Health Choice CHIP coverage if their family earns up to 210% of the federal poverty level, covering doctor visits, dental, and vision care.
Pregnant women in Currituck County may qualify for Medicaid coverage that begins at conception and continues through the postpartum period, regardless of employment status.
Currituck County has a poverty rate of 7.6%, meaning a meaningful share of residents may qualify for full Medicaid benefits at little or no monthly premium cost.
Currituck County residents with disabilities or qualifying medical conditions may be eligible for Medicaid coverage outside of the standard income expansion thresholds, with Health Plans of NC available to assess all eligibility pathways.
Health Plans of NC licensed agents serve Currituck County residents at no cost, comparing every available 2026 plan side-by-side to help you find the right coverage for your doctors, prescriptions, and budget. Call us today at 800-797-0327 to get personalized guidance and enroll in the plan that best protects your family.
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 Currituck 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 |
|---|---|---|
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 |
Currituck County ZIP Codes include: 27916, 27917, 27923, 27927, 27929, 27939, 27941, 27947, 27950, 27956, 27958, 27964, 27965, 27966, and 27973
