Find an Affordable Health Insurance Plan in Granville 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 |
| Ambetter of North Carolina | 15 |
| AmeriHealth Caritas Next | 8 |
| Cigna Healthcare | 7 |
| Total | 48 |
Source: CMS QHP Landscape PY2026, Individual Market Medical, updated August 26, 2026 (data.healthcare.gov). Counts distinct Plan IDs offered on the Marketplace in Granville County, once per carrier.
in North Carolina
Find affordable health insurance in Granville County, NC with Health Plans of NC. Health Plans of NC helps Granville County, NC residents find and enroll in the right health insurance plan at no cost, with access to coverage options that connect them to local providers including UNC Health Granville and Duke University Hospital. Whether you work for one of the county's major employers or are self-employed, a licensed agent can compare every available plan side-by-side and walk you through enrollment.
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 |
Granville County is home to 61,439 residents and has grown 0.7 percent since 2020, with 5.8 percent of the population born outside the United States, reflecting a community with diverse coverage needs and language preferences when navigating health insurance options. Major employers in the county include NCDHHS and the Central Prison Region, Food Lion Distribution, the Federal Bureau of Prisons, Altec Industries, and Revlon, meaning many residents have access to employer-sponsored coverage alongside ACA Marketplace and Medicaid options. Local health systems, including UNC Health Granville and Duke University Hospital, anchor the care network that residents depend on, making it essential to choose a plan whose network includes these providers.
ACA Marketplace plans are available for Granville County residents who are self-employed, work for employers like Altec Industries that do not offer group coverage, or who are between jobs and need individual or family coverage.
Medicaid coverage is available to qualifying low-income Granville County residents, including many who work in service and logistics roles at Food Lion Distribution or the Federal Bureau of Prisons facilities in the area.
Employer-sponsored health insurance is offered by several of Granville County's largest employers, including NCDHHS and the Central Prison Region, providing group coverage to a significant share of the county workforce.
Short-term health plans offer temporary coverage for Granville County residents in transition, such as those awaiting the start date of benefits at a new position with Revlon or another local employer.
COBRA continuation coverage allows Granville County residents who recently left a job with group benefits to maintain their existing plan and provider relationships, including access to UNC Health Granville, for a limited period.
Small business SHOP plans are available for Granville County business owners who want to offer group health coverage to their employees, connecting workers to the local provider network anchored by UNC Health Granville and Duke University Hospital.
For 2026, Granville County residents have access to plans through two Blue Cross NC networks, Blue Advantage and Blue Care, each offering different levels of statewide and national provider access. Blue Advantage is structured as a PPO with the largest nationwide network, giving members flexibility to see providers both locally and when traveling, while Blue Care is an HMO with broad statewide coverage. Both networks include access to Granville County's key local facilities, making either option a viable choice for residents who rely on care close to home.
Blue Advantage, a PPO network, covers more than 95 percent of North Carolina doctors in-network and connects Granville County residents to local providers including UNC Health Granville and Granville Medical Center.
Blue Care, an HMO network, includes more than 95 percent of North Carolina doctors in-network and provides Granville County residents with broad statewide access while maintaining coverage for local hospitals and specialty centers.
Blue Advantage PPO and Blue Care HMO plans, including catastrophic coverage options, give Granville County residents flexibility in how they manage out-of-pocket costs and network access, with no referrals required on either.
Catastrophic plans under Blue Cross NC are available to eligible Granville County residents under age 30 or those with a qualifying hardship exemption, providing low-premium protection against major medical events.
Specialty services at facilities such as the Granville Health System Cancer Center and the Granville Health System Heart and Vascular Center are accessible through in-network providers under both the Blue Advantage and Blue Care plan structures.
Primary care access at local clinics including Granville Primary Care, Oxford Family Physicians, and Butner-Creedmoor Family Medicine is supported by both Blue Cross NC networks available in Granville County for 2026.
Bronze plans in Granville County start at approximately $522.41/month before subsidies. With a median household income of $70,975, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Granville County start at $522.41 per month for a 35-year-old before tax credits, offering the lowest monthly premium with a higher deductible for those who want protection against major medical events.
Silver plans start at $671.42 per month before subsidies and are the only tier eligible for cost-sharing reductions, which lower deductibles and out-of-pocket maximums for qualifying Granville County households.
Gold plans start at $694.31 per month before tax credits and offer lower out-of-pocket costs throughout the year, making them well suited for residents who use specialty or chronic care services regularly.
Granville County residents with household incomes up to 400 percent of the federal poverty level may qualify for premium tax credits that reduce monthly costs well below the published starting prices for all tiers.
Some Granville County households may qualify for a $0 net premium Silver plan after applying all available subsidies, making comprehensive mid-tier coverage accessible even for families with tight monthly budgets.
Residents whose incomes fall near the county median of $70,975 should have a Health Plans of NC agent calculate their exact subsidy, since even moderate-income households often qualify for meaningful premium reductions.
Blue Cross NC is one of four ACA Marketplace carriers offering plans in Granville County for 2026, with a total of 18 plans available to individuals and families in the county. These 18 plans are available across two networks, Blue Advantage (a PPO) and Blue Care (an HMO), giving residents a choice between the broadest nationwide access and comprehensive statewide coverage. The Blue Advantage network connects Granville County residents to more than 95 percent of North Carolina doctors, while the Blue Care network covers more than 95 percent of in-state providers, both including local hospitals and specialty facilities in the Oxford area. Network choice directly affects whether residents can use providers like UNC Health Granville and Granville Medical Center without facing out-of-network costs, so comparing network details is a critical step during open enrollment. Health Plans of NC agents compare all 18 Blue Cross NC plans side-by-side at no cost, helping Granville County residents identify the plan and network that best match their preferred providers and healthcare needs.
Blue Cross NC, plans under the Blue Advantage and Blue Care networks, 18 plans available in Granville County for 2026.
North Carolina expanded Medicaid in December 2023, extending free or low-cost coverage to adults earning up to 138 percent of the federal poverty level, which has opened eligibility to many Granville County residents who were previously uninsured. Currently, 10.1 percent of Granville County residents, approximately 6,000 people, are without health coverage, and a meaningful share of this group may now qualify for Medicaid or CHIP under the expanded rules. 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. Health Plans of NC can perform a free eligibility check for any Granville County resident who wants to know whether they or their children qualify for Medicaid or CHIP before exploring Marketplace options.
Working adults in Granville County who earn at or below 138 percent of the federal poverty level, including those in part-time or seasonal roles, may now qualify for Medicaid under North Carolina's expanded eligibility rules.
Children in Granville County families earning up to 210 percent of the federal poverty level may qualify for NC Health Choice, providing access to pediatric primary care and preventive services at little or no cost.
Pregnant women in Granville County may qualify for Medicaid coverage that includes prenatal, labor and delivery, and postpartum care through local providers connected to UNC Health Granville.
Low-income seniors in Granville County who are approaching or already on Medicare may qualify for dual-eligibility programs that combine Medicaid and Medicare benefits to reduce out-of-pocket costs.
Granville County residents with disabilities who meet income thresholds may qualify for Medicaid, and with the county's poverty rate at 14.1 percent, a substantial share of the population may be eligible for this or another assistance program.
Health Plans of NC licensed agents serve Granville County residents at no cost, comparing every available plan side-by-side and guiding you through the full enrollment process from eligibility to activation. Call 800-797-0327 today to speak with an agent who knows the Granville County market and can help you find the coverage that fits your providers, your budget, and your family's needs.
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 Granville 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 |
|---|---|---|
Granville Health System | 1010 College St, Oxford, NC 27565 | |
Central Regional Hospital | 300 Veazy Rd, Butner, NC 27509 |
Clinic | Address | Phone |
|---|---|---|
Fast Pace Health | 2147 NC Hwy 56, Creedmoor, NC 27522 | |
Granville Internal Medicine and Geriatrics | 110 Professional Park, Oxford, NC 27565 | |
Mainstreet Family Care - Oxford | 735 Lewis St, Oxford, NC 27565 | |
Maria Parham Women's Care | 1209 SE Industry Dr, Oxford, NC 27565 | |
Rural Health Group at Stovall | 100 Durham, Stovall, NC 27582 | |
South Granville Primary Care | 1614 Hwy 56, Creedmoor, NC 27522 | |
Champion Urgent and Primary Care | 1614 Williamsboro St, Oxford, NC 27565 | |
Clinical Services | 1032 College St, Oxford, NC 27565 | |
Duke Primary Care Butner-Creedmor | 2503 E Lyon Station Rd, Creedmoor, NC 27522 | |
Granville Express Care | 1010 College St, Oxford, NC 27565 |
Granville County ZIP Codes include: 27507, 27509, 27522, 27564, 27565, 27581, and 27582
