Find an Affordable Health Insurance Plan in Hoke 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 |
| UnitedHealthcare | 13 |
| Cigna Healthcare | 10 |
| Total | 56 |
Source: CMS QHP Landscape PY2026, Individual Market Medical, updated August 26, 2026 (data.healthcare.gov). Counts distinct Plan IDs offered on the Marketplace in Hoke County, once per carrier.
in North Carolina
Find affordable health insurance in Hoke County, NC with Health Plans of NC. Health Plans of NC helps residents of Hoke County, NC find and enroll in affordable health insurance coverage, working alongside major local employers like Butterball and FirstHealth of the Carolinas to ensure workers and families have access to the right plan for their needs.
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 |
Hoke County is home to 53,102 residents and has grown 2.0 percent since 2020, reflecting an expanding community with diverse coverage needs across working families, seniors, and newer arrivals. With 6.2 percent of residents being foreign-born, Health Plans of NC provides guidance to help all community members navigate their coverage options. Major local employers including Hoke County Schools, Butterball, the County of Hoke, FirstHealth of the Carolinas, and Cape Fear Valley Health connect many residents to a range of coverage pathways, from employer-sponsored benefits to ACA Marketplace plans.
ACA Marketplace plans provide comprehensive individual and family coverage for Hoke County residents not covered through employers like Butterball or Hoke County Schools, with enrollment through Health Plans of NC at no cost.
Medicaid coverage is available to qualifying low-income Hoke County residents, giving access to primary care at local facilities like Hoke Hospital and FirstHealth Hoke Community Medical Center at little or no cost.
Employer-sponsored insurance is offered by major Hoke County employers including Hoke County Schools and Cape Fear Valley Health, providing group coverage tied to local provider networks for eligible employees and their families.
Short-term health plans may serve Hoke County residents in between jobs or waiting for open enrollment, offering temporary coverage while transitions at employers like the County of Hoke are resolved.
COBRA continuation coverage allows former employees of Hoke County employers such as FirstHealth of the Carolinas to maintain their existing group health plan temporarily after leaving a job or losing eligibility.
Small business SHOP plans are available to eligible small employers in Hoke County, helping local businesses offer group health coverage to their workforce and compete for talent in the regional labor market.
For 2026, Hoke County residents have access to health insurance plans through Blue Cross NC under two distinct plan networks, Blue Advantage and Blue Care, each offering different levels of provider access across the region. Blue Advantage is a PPO network covering over 95 percent of North Carolina doctors, while Blue Care is an HMO network covering over 95 percent of NC doctors, both connecting enrollees to key Hoke County providers including Hoke Hospital and FirstHealth Hoke Community Medical Center. Health Plans of NC helps residents compare every available plan option across these networks side-by-side to find the right fit for their provider preferences and care needs.
Blue Advantage, PPO network, connects Hoke County residents to over 95 percent of NC doctors in-network, including providers at Hoke Hospital and Cape Fear Valley Medical Center in Fayetteville.
Blue Advantage, PPO network, allows Hoke County enrollees to access specialty care at First Health Moore Regional Hospital in Pinehurst without needing a referral, offering broad statewide flexibility.
Blue Care, HMO network, covers over 95 percent of NC doctors in-network and includes access to primary care providers at Raeford Family Care and PrimeCare Family Practice for Hoke County residents.
Blue Care, HMO network, supports Hoke County residents who rely on mental health services through the Sandhills Center, with broad network access to behavioral health providers across the region.
Both Blue Advantage and Blue Care networks are available to Hoke County residents enrolling through the ACA Marketplace, giving enrollees flexibility to continue seeing established local providers at in-network rates.
Health Plans of NC agents compare Blue Advantage and Blue Care plan options side-by-side for Hoke County residents at no cost, helping identify which network best aligns with existing provider relationships.
Bronze plans in Hoke County start at approximately $403.47/month before subsidies. With a median household income of $60,095, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Hoke County start at $403.47 per month for a 35-year-old before subsidies, offering the lowest monthly premium with a higher deductible structure suited for generally healthy residents.
Silver plans in Hoke County start at $518.72 per month before subsidies and are the only tier eligible for cost-sharing reductions, which can significantly lower deductibles and copays for qualifying enrollees.
Gold plans in Hoke County start at $536.24 per month before subsidies, offering lower out-of-pocket costs throughout the year and making them a strong fit for residents with frequent healthcare needs.
Hoke County households earning between 100 percent and 400 percent of the federal poverty level qualify for ACA premium tax credits that can reduce monthly costs well below the published starting prices.
Lower-income Hoke County residents may qualify for a zero-dollar or near-zero premium Silver plan through enhanced subsidies tied to their household income relative to the federal poverty level.
Health Plans of NC agents calculate exact subsidy amounts at no cost, helping Hoke County residents earning near the county median income identify the most affordable plan option across all available tiers.
For 2026, Blue Cross NC is one of four ACA Marketplace carriers offering health insurance plans in Hoke County, with 18 total plans available to individuals and families. These plans are offered under two network options, Blue Advantage and Blue Care, giving residents a choice in the breadth of provider access they need. Blue Advantage connects Hoke County enrollees to the largest nationwide network, while Blue Care provides broad statewide access, both designed to work with key local facilities including Hoke Hospital and providers within the FirstHealth and Cape Fear Valley systems. Network selection directly affects whether Hoke County residents can continue seeing their preferred primary care providers, specialists, and local facilities at in-network rates. Health Plans of NC compares every available Blue Cross NC plan side-by-side for Hoke County residents at no cost, ensuring each person finds the plan that best fits their provider preferences and coverage goals.
Blue Cross NC, plans under Blue Advantage and Blue Care networks, 18 plans available to Hoke County residents for 2026 across multiple coverage tiers.
North Carolina expanded Medicaid in December 2023, making adults in Hoke County earning up to 138 percent of the federal poverty level eligible for free or low-cost coverage with access to local providers including Hoke Hospital and community health clinics. Currently 11.4 percent of Hoke County residents, approximately 6,000 people, remain uninsured, and many may now qualify for Medicaid or subsidized Marketplace coverage they have not yet claimed. Children in families earning up to 210 percent of the federal poverty level may qualify for NC Health Choice, the state's CHIP program, which provides low-cost coverage for pediatric care. Health Plans of NC offers free eligibility checks to help Hoke County residents determine whether they qualify for Medicaid, CHIP, or a subsidized Marketplace plan.
Working adults in Hoke County who earn low wages and are not offered affordable employer coverage may qualify for Medicaid under North Carolina's expansion, with eligibility based on household income and size.
Children in Hoke County families with moderate incomes may qualify for NC Health Choice, the state CHIP program, providing access to pediatric primary care, dental, and vision services at low or no cost.
Pregnant women in Hoke County may qualify for Medicaid coverage that includes prenatal care, labor and delivery services, and postpartum care through providers in the FirstHealth and Cape Fear Valley networks.
Hoke County seniors with low income may qualify for both Medicare and Medicaid simultaneously, known as dual eligibility, which can eliminate most out-of-pocket costs for medical and long-term care services.
With a poverty rate of 17.4 percent in Hoke County, a significant share of residents may qualify for Medicaid coverage including primary care, mental health services through the Sandhills Center, and preventive screenings at little or no cost.
Health Plans of NC licensed agents serve Hoke County residents at no cost, comparing every available plan side-by-side to find the right fit for your budget and healthcare needs. Call 800-797-0327 today to get personalized guidance and complete your enrollment with a local expert by your side.
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 Hoke 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 |
|---|---|---|
Cape Fear Valley Hoke Hospital | 210 Medical Pavilion Dr, Raeford, NC 28376 |
Clinic | Address | Phone |
|---|---|---|
Goshen Medical Center - Raeford | 102 Southern Ave, Raeford, NC 28376 | |
Hoke Family Medical Center | 405 S Main St, Raeford, NC 28376 | |
FirstHealth Family Care Center - Jordan Clinic | 116 Campus Ave, Raeford, NC 28376 | |
FirstHealth Family Medicine-Raeford | 313 Teal Dr, Raeford, NC 28376 | |
Grace Health & Urgent Care Center | 8610 Fayetteville Rd, Raeford, NC 28376 | |
Hoke County Health Department | 683 E Palmer Rd, Raeford, NC 28376 | |
Hoke Express Care | 300 Medical Pavilion Dr Suite 150, Raeford, NC 28376 | |
Hoke Primary Care Clinic | 300 Medical Pavilion Dr Ste 150, Raeford, NC 28376 | |
Raeford Family Care Center | 1090 E Central Ave, Raeford, NC 28376 | |
Carolina 1st Choice Treatment Center | 4003 Fayetteville Rd, Raeford, NC 28376 |
Hoke County ZIP Codes include: 28376
