Find Your Most Affordable Health Insurance Plan in Currituck County
in North Carolina
Currituck 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 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 | PPO | Broad statewide network, 92%+ 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 PPO 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 PPO network covers 92% 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 PPO offers broad statewide network access covering 92% or more of NC providers, giving Currituck County families a cost-effective PPO option with strong regional provider coverage.
Both Blue Advantage and Blue Care PPO 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 the sole ACA Marketplace carrier serving Currituck County, offering 16 plans across the Blue Advantage and Blue Care PPO 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 16 ACA Marketplace plans for 2026 in Currituck County across Blue Advantage PPO and Blue Care PPO 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
