Find Your Most Affordable Health Insurance Plan in Hertford County
in North Carolina
Hertford County residents can compare 12 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 Hertford County, NC with Health Plans of NC. Health Plans of NC helps residents of Hertford County, NC compare and enroll in health insurance plans for 2026, with local access to care through ECU Health Roanoke-Chowan Hospital in Ahoskie. Whether you work for a major county employer like Nucor Corporation or Hertford County Schools, a licensed Health Plans of NC agent can help you find the right coverage 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 |
Hertford County, with a population of 20,492 and a population growth rate of -4.9% since 2020, is served by major health systems including ECU Health, which operates facilities throughout the region and employs many local residents. The county's workforce includes employees of Jernigan Oil, Nucor Corporation, Med Ex Medical Transport, and Hertford County Schools, each of which may offer access to different coverage pathways. With 4.5% of residents being foreign-born, Health Plans of NC is available to help all community members navigate coverage options in an accessible and straightforward way.
ACA Marketplace plans are available to Hertford County residents who do not receive coverage through an employer such as Nucor Corporation or Hertford County Schools.
Medicaid expansion coverage is available to qualifying Hertford County adults, including those employed part-time or seasonally by local businesses like Jernigan Oil or Med Ex Medical Transport.
Employer-sponsored insurance is a common coverage source for employees of major Hertford County employers including ECU Health, Nucor Corporation, and Hertford County Schools.
Short-term health plans may serve as a temporary bridge for Hertford County residents between jobs or transitioning between employer coverage at facilities like ECU Health.
COBRA continuation coverage allows former employees of Hertford County employers, including those who previously held benefits through ECU Health or county school system positions, to maintain their existing plan temporarily.
Small business SHOP Marketplace plans are available to small employers in Hertford County, including locally owned businesses in Ahoskie, Murfreesboro, and Winton, who want to offer health benefits to their employees.
For 2026, Hertford County residents can choose from plans offered under two Blue Cross NC networks: Blue Advantage and Blue Care, both of which connect enrollees to providers across the region including ECU Health Roanoke-Chowan Hospital in Ahoskie. Blue Advantage is a PPO network with the largest nationwide reach, while Blue Care is a PPO network with broad statewide coverage, giving residents flexibility when accessing facilities like ECU Health Pulmonology-Ahoskie or ECU Health Endocrinology-Ahoskie. Health Plans of NC can help Hertford County residents compare which network best fits their preferred local providers before enrolling.
Blue Advantage, a PPO network, includes 95% or more of NC doctors in-network and connects Hertford County residents to ECU Health Roanoke-Chowan Hospital and surrounding ECU Health specialty clinics.
Blue Care, a PPO network, covers 92% or more of NC doctors in-network and provides Hertford County residents with broad access to providers including ECU Health Pulmonology-Ahoskie and ECU Health Endocrinology-Ahoskie.
Both Blue Advantage and Blue Care plans are structured across multiple coverage tiers, allowing Hertford County residents in Ahoskie, Murfreesboro, and Winton to select a plan that fits their level of healthcare use.
PPO plan structures under both networks allow Hertford County residents to see out-of-network providers when needed, which can be valuable for those requiring specialist referrals beyond the immediate region.
Catastrophic coverage plans are available to Hertford County residents under age 30 or those qualifying for a hardship exemption, offering lower monthly costs with access to in-network ECU Health facilities for emergency care.
Bronze plans in Hertford County start at approximately $563.81/month before subsidies. With a median household income of $47,472, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Hertford County start at $563.81 per month for a 35-year-old, offering the lowest monthly premiums with higher out-of-pocket costs when care is needed.
Silver plans start at $724.63 per month and are the only tier eligible for cost-sharing reductions, which lower deductibles and copays for qualifying Hertford County residents.
Gold plans start at $749.33 per month and offer lower out-of-pocket costs in exchange for higher monthly premiums, making them a strong fit for residents who use healthcare services frequently.
Hertford County residents with a household income near the county median of $47,472 are likely eligible for premium tax credits that reduce monthly plan costs below the unsubsidized starting prices listed above.
Some lower-income Hertford County residents may qualify for a $0 premium Silver plan after premium tax credits are applied, depending on their exact household size and income.
Out-of-pocket maximums vary by plan tier, with Gold plans generally providing the most financial protection against large annual medical expenses for Hertford County households.
Blue Cross NC is the sole ACA Marketplace carrier available to Hertford County residents for 2026, offering a total of 12 individual and family plans across multiple coverage tiers. These plans are available through two PPO networks, Blue Advantage and Blue Care, each providing different levels of statewide and nationwide provider access. Blue Advantage connects Hertford County residents to the largest nationwide provider network, ensuring broad access to ECU Health facilities and specialty clinics throughout the region, while Blue Care offers expansive statewide coverage for residents who primarily use in-state providers. The network a resident selects will determine whether local hospitals and clinics, such as ECU Health Roanoke-Chowan Hospital at 500 Academy St S in Ahoskie, are covered at in-network rates. Health Plans of NC compares every available Blue Cross NC plan side-by-side at no cost to Hertford County residents, making it easy to identify the best fit for individual provider preferences and coverage needs.
Blue Cross NC: the sole ACA Marketplace carrier in Hertford County for 2026, offering 12 plans across Bronze, Silver, Gold, and Catastrophic tiers through the Blue Advantage PPO and Blue Care PPO networks.
North Carolina expanded Medicaid in December 2023, making adults with household incomes at or below 138% of the federal poverty level eligible for free or very low-cost coverage through NC Medicaid. In Hertford County, approximately 9.7% of residents, representing about 2,000 people, remain uninsured, and many of them may now qualify for Medicaid or subsidized marketplace coverage without being aware of their eligibility. Children in Hertford 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 health coverage for kids. Health Plans of NC offers free eligibility checks to help Hertford County residents determine whether they qualify for Medicaid, CHIP, or a subsidized marketplace plan.
Working adults in Hertford County who are employed part-time or in lower-wage positions may qualify for NC Medicaid if their household income falls at or below 138% of the federal poverty level.
Children in Hertford County families may be eligible for NC Health Choice (CHIP), providing affordable coverage for routine and preventive care throughout the county.
Pregnant women in Hertford County may qualify for Medicaid coverage that begins immediately and covers prenatal, delivery, and postpartum care at ECU Health facilities.
Hertford County's poverty rate of 21.4% means a significant share of residents may be eligible for Medicaid or cost-sharing reduction plans that lower both premiums and out-of-pocket costs.
Adults with disabilities in Hertford County may qualify for Medicaid coverage through separate eligibility pathways and should contact Health Plans of NC or the NC Medicaid office to confirm their status.
Health Plans of NC licensed agents serve Hertford County residents at no cost, comparing every available plan side-by-side to help you find the right coverage for your budget and healthcare needs. Call 800-797-0327 today to speak with an agent who can guide you through enrollment and make sure you receive every subsidy or benefit you qualify for.
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 Hertford 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 |
|---|---|---|
ECU Health Bertie Hospital | 1403 S King St, Windsor, NC 27983 | (252) 794-6600 |
ECU Health Chowan Hospital | 211 Virginia Rd, Edenton, NC 27932 | (252) 482-8451 |
ECU Health Edgecombe Hospital | 111 Hospital Dr, Tarboro, NC 27886 | (252) 641-7700 |
ECU Health North Hospital | 250 Smith Church Rd, Roanoke Rapids, NC 27870 | (252) 535-8011 |
ECU Health Roanoke-Chowan Hosp | 500 Academy St S, Ahoskie, NC 27910 | (252) 209-3000 |
Martin General Hospital | 310 S Mccaskey Rd, Williamston, NC 27892 | (252) 809-6300 |
Outer Banks Hospital | 4800 S Croatan Hwy, Nags Head, NC 27959 | (252) 449-4500 |
Sentara Albemarle Medical Ctr | 1144 N Road St, Elizabeth City, NC 27909 | (252) 335-0531 |
Washington Regional Med Ctr | 958 US Highway 64 E, Plymouth, NC 27962 | (252) 793-4135 |
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 |
Hertford County ZIP Codes include: 27805, 27818, 27855, 27910, 27922, 27942, and 27986
