Find Your Most Affordable Health Insurance Plan in Harnett County
in North Carolina
Harnett County residents can compare 14 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 Harnett County, NC with Health Plans of NC. Health Plans of NC helps residents of Harnett County, NC compare and enroll in health insurance plans from Blue Cross NC, connecting locals with coverage that fits their healthcare needs and budget. Whether you work for Harnett County Schools, Campbell University, or Cape Fear Valley Health, our licensed agents guide you through every available option at no cost.
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 |
Harnett County's 136,503 residents have access to multiple pathways for health coverage, including ACA Marketplace plans, Medicaid, employer-sponsored insurance, and Medicare. The county has grown 2.2 percent since 2020, bringing more residents into the coverage market each year, and 6.3 percent of residents are foreign-born, making multilingual plan guidance especially valuable. Major employers such as Harnett County Schools, Food Lion, Campbell University, Harnett County government, and Cape Fear Valley Health all offer or connect employees to coverage options supported by local health systems including Cape Fear Valley Harnett Health and UNC Health Johnston.
ACA Marketplace coverage is available to Harnett County residents who are not offered qualifying employer-sponsored insurance, including self-employed workers and part-time employees at Food Lion or other local businesses.
Medicaid coverage is accessible to low-income Harnett County residents and families, with eligibility administered through the NC Department of Health and Human Services and local access through Cape Fear Valley Harnett Health facilities.
Employer-sponsored insurance is offered to full-time employees of major Harnett County employers such as Harnett County Schools, Campbell University, and Cape Fear Valley Health, often including access to broader provider networks.
Short-term health plans may provide temporary coverage for Harnett County residents between jobs or waiting for employer benefits to begin, serving as a bridge until a longer-term plan is secured.
COBRA continuation coverage allows former employees of Harnett County employers, including those who recently left positions with Harnett County Schools or UNC Health Johnston, to maintain their existing group health benefits for a limited period.
Small business SHOP plans are available to small employers in Harnett County who want to offer group health benefits to their teams, with Health Plans of NC agents available to help local business owners navigate enrollment options.
For 2026, Harnett County residents can choose from plans offered under two Blue Cross NC networks, Blue Advantage and Blue Care, both of which are PPO structures giving members flexibility to access providers across North Carolina. Blue Advantage provides the broadest nationwide network, connecting Harnett County residents to in-network care at Central Harnett Hospital in Lillington and affiliated Cape Fear Valley Health System facilities including Cape Fear Valley Medical Center in Fayetteville. Blue Care offers a broad statewide PPO network that also reaches key Harnett County providers, including Betsy Johnson Hospital in Dunn and primary care practices such as Harnett Health Family Medicine and Carolina Family Medicine and Pediatrics.
Blue Advantage, PPO, connects Harnett County residents to the largest nationwide network with more than 95 percent of NC doctors in-network, including providers at Central Harnett Hospital and Cape Fear Valley Health System.
Blue Care, PPO, offers a broad statewide network covering more than 92 percent of NC doctors in-network, providing access to Betsy Johnson Hospital in Dunn and primary care practices throughout Harnett County.
Both Blue Advantage and Blue Care PPO plans allow Harnett County residents to see specialists at Cape Fear Valley Medical Center in Fayetteville without requiring a primary care referral.
Blue Advantage plan tiers span Bronze, Silver, and Gold levels, giving residents the ability to choose the deductible and cost-sharing structure that best fits their use of local providers including Harnett Health Family Medicine.
Blue Care plan tiers also span Bronze, Silver, and Gold levels, offering Harnett County residents a range of premium and deductible combinations with access to UNC Health Johnston-affiliated providers in the region.
Both networks cover specialty services including cardiology, orthopedics, oncology, and pediatric care available through the Cape Fear Valley Harnett Health system and nearby regional medical centers.
Bronze plans in Harnett County start at approximately $401.70/month before subsidies. With a median household income of $69,012, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Harnett County start at $401.70 per month for a 35-year-old before subsidies, offering the lowest monthly premiums with higher deductibles suited for generally healthy residents.
Silver plans start at $516.45 per month before subsidies and are the only tier eligible for cost-sharing reductions, which can lower deductibles and copays for qualifying households.
Gold plans start at $533.89 per month before subsidies and offer lower out-of-pocket costs at the time of care, making them well suited for residents who use medical services frequently.
Residents with household incomes between 100 percent and 400 percent of the federal poverty level qualify for premium tax credits that reduce monthly costs below the published starting prices listed above.
Some Harnett County residents with lower incomes may qualify for a zero-dollar premium Silver plan after tax credits are applied, providing comprehensive coverage with no monthly premium obligation.
Out-of-pocket maximums for 2026 ACA plans cap the total annual exposure for covered services, protecting Harnett County families from unlimited costs in the event of a serious illness or hospitalization.
For 2026, Blue Cross NC is the sole ACA Marketplace carrier offering health insurance plans in Harnett County, with 14 plans available to individuals and families in the county. These 14 plans are structured across two PPO networks, Blue Advantage and Blue Care, giving residents a choice between the largest nationwide network and a broad statewide network. Blue Advantage connects Harnett County residents to more than 95 percent of NC doctors in-network, including providers at Central Harnett Hospital, Cape Fear Valley Medical Center, and affiliated specialty practices throughout the region. Blue Care covers more than 92 percent of NC doctors in-network and provides access to Betsy Johnson Hospital in Dunn and primary care providers throughout Harnett County, ensuring residents can maintain relationships with local physicians. Health Plans of NC compares all 14 Blue Cross NC plans side-by-side at no cost, helping every Harnett County resident identify the network and tier combination that best fits their provider relationships and financial situation.
Blue Cross NC, PPO plans under Blue Advantage and Blue Care networks, 14 plans available in Harnett 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 opened eligibility to thousands of previously uninsured Harnett County residents. Currently 10.7 percent of Harnett County residents are uninsured, representing approximately 15,000 people, many of whom may now qualify for Medicaid under the expanded eligibility 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 comprehensive coverage for minors across Harnett County. Health Plans of NC offers free eligibility checks and enrollment assistance for Harnett County residents who want to determine whether they qualify for Medicaid or CHIP.
Working adults in Harnett County who earn at or below 138 percent of the federal poverty level may qualify for full Medicaid coverage under North Carolina's December 2023 expansion.
Children in Harnett County from families with incomes up to 210 percent of the federal poverty level may qualify for NC Health Choice, providing comprehensive pediatric coverage at little to no cost.
Pregnant women in Harnett County are eligible for Medicaid at higher income thresholds than the general adult population, ensuring access to prenatal care through the Harnett County Health Department and affiliated providers.
Harnett County residents with disabilities may qualify for Medicaid regardless of age, with coverage providing access to specialty services, home health care, and long-term support through the county's healthcare network.
With a poverty rate of 14.5 percent in Harnett County, a significant share of households may be eligible for Medicaid or cost-sharing assistance, and Health Plans of NC can confirm eligibility and assist with enrollment at no charge.
Health Plans of NC licensed agents serve Harnett County residents at no cost, comparing every available plan side-by-side and providing personalized guidance through the enrollment process from start to finish. Call 800-797-0327 today to speak with an agent who knows the Harnett County market and can help you find the right plan for your health 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 Harnett 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 |
Harnett County ZIP Codes include: 27501, 27505, 27506, 27521, 27543, 27546, 27552, 28323, 28326, 28335, 28339, 28356, 28368, and 28390
