Find Your Most Affordable Health Insurance Plan in Durham County
in North Carolina
Durham County residents can compare 17 health insurance options for 2026.
Blue Home with UNC Health Alliance is a good option if you wish to get care from UNC Health and its affiliated doctors and hospitals. Since the majority of doctors in this plan are in the same network, it’s easier for them to work together on your behalf.
UNC Health’s network of hospitals and providers including more than 1,800 primary care providers.2
A provider network that includes UNC Medical Center, nationally ranked in one adult and nine pediatric specialties by U.S. News;3 along with UNC Rex Hospital, rated by U.S. News as high performing in 16 adult procedures and conditions.4
All doctors outside the UNC Health Alliance provider network are considered out-of-network and not covered for Blue Home with UNC Health Alliance, including: Cone Health, Duke Health and WakeMed. 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.
Notes
Blue Cross NC has collaborated with UNC Health to bring you Blue Home with UNC Health Alliance. Blue Home with UNC Health Alliance is a health insurance plan offered by Blue Cross NC that provides access to a limited network of providers. UNC Health is an independent company that is solely responsible for the physicians and medical facilities it owns and operates. UNC Health does not offer Blue Cross or Blue Shield products or services.
UNC Health, www.unchealthcare.org/health-alliance/ (Accessed August 2024).
U.S. News and World Report, www.usnews.com/best-hospitals/area/nc/university-of-north-carolina-hospitals-6360260 (Accessed August 2024).
U.S. News and World Report, www.usnews.com/best-hospitals/area/nc/rex-healthcare-6361210 (Accessed August 2024).
Blue Home with UNC Health Alliance is available on and off Marketplace to residents of these North Carolina counties: Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Nash, Orange, Person, and Wake.
Blue Advantage - Off Marketplace 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.
in North Carolina
Find affordable health insurance in Durham County, NC with Health Plans of NC. Health Plans of NC helps Durham County residents find and compare affordable health insurance coverage, connecting families and individuals to plans that work with leading local institutions like Duke University Health System and employers such as Fidelity Investments.
Plan Network | Type | Network Coverage |
|---|---|---|
Blue Advantage | PPO | Largest nationwide network, 95%+ of NC doctors in-network (off-Marketplace only) |
Blue Home with UNC Health Alliance | HMO | UNC Health hospitals and affiliated providers |
Durham County is home to 329,405 residents, a population that has grown 1.4% in recent years, with 15.2% of residents born outside the United States, reflecting a diverse community with varied coverage needs and language preferences. Major employers including Duke University, Fidelity Investments, Durham Public Schools, Cisco Systems, and the Veterans Administration provide a foundation of employer-sponsored coverage for many working residents, while health systems such as Duke University Hospital, Duke Regional Hospital, UNC Hospitals, and the Durham VA Medical Center anchor the county's care infrastructure. Beyond employer plans, Durham County residents can access individual and family marketplace coverage, Medicaid, CHIP, COBRA continuation coverage, and small business SHOP plans, giving households and employers a range of pathways to protection.
ACA Marketplace coverage connects Durham County individuals and families to Blue Cross NC plans that work with Duke University Hospital and other major local providers.
Medicaid coverage is available to qualifying low-income Durham County adults, children, and families, with eligibility screening available through Health Plans of NC at no cost.
Employer-sponsored insurance is offered by large Durham County employers including Duke University, Cisco Systems, and Fidelity Investments, covering a significant share of the county workforce.
Short-term health plans can provide temporary gap coverage for Durham County residents between jobs or waiting for open enrollment, though benefits are more limited than ACA plans.
COBRA continuation coverage allows Durham County employees who leave positions at employers like Durham Public Schools or the Veterans Administration to maintain their existing group plan for a defined period.
Small business SHOP plans are available to Durham County employers who want to offer group health benefits to their teams, with Health Plans of NC agents available to guide small business owners through their options.
For 2026, Durham County residents can choose from plans offered under two Blue Cross NC plan networks: Blue Advantage and Blue Home with UNC Health Alliance, with Blue Advantage available exclusively off-Marketplace and Blue Home with UNC Health Alliance available through the ACA Marketplace. These networks differ significantly in how they connect enrollees to local hospitals and health systems, making network selection one of the most important decisions Durham County residents will make during enrollment. Health Plans of NC agents help Durham County residents evaluate which network aligns with their preferred providers, whether that is Duke University Hospital, Duke Regional Hospital, or UNC Hospitals.
Blue Advantage, a PPO network available off-Marketplace only, provides access to the largest nationwide provider network, including Durham County hospitals and specialty facilities.
Blue Home with UNC Health Alliance, an HMO network, connects Durham County enrollees to UNC Health hospitals and affiliated providers, including UNC Hospitals in Chapel Hill.
Blue Home with UNC Health Alliance requires enrollees to select a primary care provider and obtain referrals for specialist care within the UNC Health Alliance network.
Blue Advantage's PPO structure allows Durham County residents to see in-network providers without referrals, offering greater flexibility for those who see multiple specialists.
Durham County residents enrolled in Blue Home with UNC Health Alliance should verify that their preferred local providers, including any Duke-affiliated clinics, are in-network before selecting this plan.
Health Plans of NC compares both available networks side-by-side so Durham County residents can choose the plan structure that best fits their care preferences and provider relationships.
Bronze plans in Durham County start at approximately $403.47/month before subsidies. With a median household income of $79,501, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Durham County start at $403.47 per month for a 35-year-old before subsidies, offering the lowest premiums with higher out-of-pocket costs when care is needed.
Silver plans start at $518.72 per month before subsidies and are the only tier eligible for cost-sharing reductions, which lower deductibles and copays for qualifying Durham County enrollees.
Gold plans start at $536.24 per month before subsidies and feature lower out-of-pocket maximums, making them a strong option for Durham County residents who use healthcare services frequently.
Durham County residents with a household income near the county median of $79,501 may qualify for partial premium tax credits that reduce monthly costs across all available metal tiers.
Lower-income Durham County households may qualify for $0 monthly Silver plan premiums under enhanced federal subsidy rules currently in effect for marketplace enrollees.
Out-of-pocket maximums for 2026 ACA plans cap the total annual cost-sharing exposure for Durham County enrollees, providing a financial ceiling for those who need significant medical care during the year.
Blue Cross NC is the ACA Marketplace carrier offering individual and family health insurance plans in Durham County for 2026, with 17 total plans available across multiple coverage tiers. The carrier offers two plan networks in the county: Blue Advantage, a PPO available off-Marketplace, and Blue Home with UNC Health Alliance, an HMO available through the Marketplace. Blue Home with UNC Health Alliance connects Durham County enrollees to UNC Health hospitals and affiliated providers, while Blue Advantage offers access to the largest nationwide network for off-Marketplace enrollees. The network a Durham County resident selects determines which local hospitals, clinics, and specialists they can access at in-network rates, making the choice between these two networks a critical step in the enrollment process. Health Plans of NC compares every available Blue Cross NC plan side-by-side at no cost, helping Durham County residents identify the right combination of network, tier, and plan structure for their needs.
Blue Cross NC, offering 17 individual and family ACA Marketplace plans in Durham County for 2026, available as HMO and PPO plan types across multiple metal tiers.
North Carolina expanded Medicaid in December 2023, extending free or low-cost coverage to adults earning up to 138% of the federal poverty level, a change that opened eligibility to many previously uninsured Durham County residents. Currently, 11.6% of Durham County residents, approximately 38,000 people, remain uninsured, and a meaningful share of that population may now qualify for Medicaid or subsidized marketplace coverage without being aware of their eligibility. Children in Durham County families earning up to 210% of the federal poverty level may qualify for NC Health Choice, the state's CHIP program, which provides low-cost comprehensive coverage for eligible minors. Health Plans of NC offers free eligibility checks for Durham County residents who want to determine whether they or their children qualify for Medicaid, CHIP, or another assistance program.
Working adults in Durham County who earn up to 138% of the federal poverty level and were previously uninsured may now qualify for full Medicaid coverage following North Carolina's expansion.
Children in Durham County families with incomes up to 210% of the federal poverty level may be eligible for NC Health Choice, the state CHIP program, at little or no cost.
Pregnant women in Durham County are eligible for Medicaid coverage with higher income thresholds than the standard adult expansion limit, ensuring prenatal and delivery care access.
Durham County residents with disabilities may qualify for Medicaid based on disability status and income, with eligibility criteria that differ from the standard expansion pathway.
With a poverty rate of 12.0% in Durham County, a significant share of the population may qualify for Medicaid or CHIP, and Health Plans of NC can perform a free eligibility screening to confirm coverage options.
Health Plans of NC licensed agents serve Durham County residents at no cost, comparing every available plan side-by-side and guiding enrollees through the full application and enrollment process. Call 800-797-0327 today to speak with an agent who knows Durham County's health insurance options and can help you find the right plan for your 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 Durham 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 |
|---|---|---|
Chatham Hospital | 475 Progress Blvd, Siler City, NC 27344 | (919) 799-4000 |
Cone Health Alamance Regl Med | 1240 Huffman Mill Rd, Burlington, NC 27215 | (336) 538-7000 |
Cone Health Annie Penn Hosp | 618 S Main St, Reidsville, NC 27320 | (336) 951-4000 |
Cone Health Behavioral Health | 700 Walter Reed Dr, Greensboro, NC 27403 | (336) 832-9700 |
Cone Health Medcenter High Pnt | 2630 Willard Dairy Rd, High Point, NC 27265 | (336) 884-3777 |
Cone Health Moses Cone Hosp | 1121 N Church St, Greensboro, NC 27401 | (336) 832-7000 |
Cone Health Wesley Long Hosp | 2400 W Friendly Ave, Greensboro, NC 27403 | (336) 832-1000 |
Cone Health Women's-Children's | 1121 N Church St, Greensboro, NC 27401 | (336) 832-6500 |
Duke Children's Hosp & Health | 2301 Erwin Rd, Durham, NC 27705 | (919) 668-4000 |
Duke Regional Hospital | 3643 N Roxboro St, Durham, NC 27704 | (919) 470-4000 |
Duke University Hospital | 2301 Erwin Rd, Durham, NC 27705 | (919) 684-8111 |
Durham VA Medical Ctr | 508 Fulton St, Durham, NC 27705 | (919) 286-0411 |
High Point Medical Ctr | 601 N Elm St, High Point, NC 27262 | (336) 878-6000 |
Kindred Healthcare | 2401 S Side Blvd, Greensboro, NC 27406 | (336) 604-2300 |
Lenox Baker Children's Hosp | 3000 Erwin Rd, Durham, NC 27705 | (919) 684-6669 |
North Carolina Specialty Hosp | 3916 Ben Franklin Blvd, Durham, NC 27704 | (919) 956-9300 |
Person Memorial Hospital | 615 Ridge Rd, Roxboro, NC 27573 | (336) 599-2121 |
Randolph Health | 364 White Oak St, Asheboro, NC 27203 | (336) 625-5151 |
Randolph Hospital | 364 White Oak St, Asheboro, NC 27203 | (336) 625-5151 |
Select Specialty Hosp-Durham | 3643 N Roxboro St # 6, Durham, NC 27704 | (984) 569-4040 |
Select Specialty Hosp-Grnsbr | 1200 N Elm St # 5, Greensboro, NC 27401 | (336) 832-5700 |
UNC Hospitals | 101 Manning Dr, Chapel Hill, NC 27514 | (984) 974-1000 |
UNC Rockingham Health Care | 117 E Kings Hwy, Eden, NC 27288 | (336) 623-9711 |
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 |
Durham County ZIP Codes include: 27503, 27701, 27702, 27703, 27704, 27705, 27706, 27707, 27708, 27709, 27710, 27711, 27712, 27713, 27715, 27717, and 27722
