Find Your Most Affordable Health Insurance Plan in Lenoir County
in North Carolina
Lenoir 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 Lenoir County, NC with Health Plans of NC. Health Plans of NC helps residents of Lenoir County, NC find and enroll in the right health insurance coverage for 2026, with local expertise connecting families to providers at UNC Health Lenoir and Sanderson Farms employee benefit options. Whether you are shopping for individual coverage, a family plan, or need help understanding your options, Health Plans of NC compares every available plan 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 |
Lenoir County is home to 54,917 residents, with a population that has shifted by -0.4 percent since 2020 and a foreign-born population representing 4.2 percent of the community, reflecting a diverse set of coverage needs across the county. Major local employers including Sanderson Farms, Lenoir County Schools, Smithfield Foods, Kinston/UNC Health Care, and Lenoir Memorial Hospital each shape the coverage landscape, with some workers accessing employer-sponsored plans and others turning to the individual marketplace. Health Plans of NC helps residents across all employment situations navigate every available option, from ACA Marketplace plans to government programs, connecting them with care through UNC Health Lenoir and ECU Health facilities throughout the region.
ACA Marketplace plans are available to Lenoir County residents who are self-employed, work part-time, or are not offered coverage by employers like Sanderson Farms or Smithfield Foods.
Medicaid coverage through NC Medicaid Managed Care serves qualifying low-income Lenoir County residents, including those who work at smaller local businesses without employer-sponsored benefits.
Employer-sponsored group health insurance is offered to full-time employees at major Lenoir County employers such as Lenoir County Schools and Kinston/UNC Health Care, providing shared premium costs and broad provider access.
Short-term health plans can serve Lenoir County residents who are between jobs or waiting for open enrollment, offering temporary coverage while transitions occur at local employers.
COBRA continuation coverage allows recently separated employees from organizations like Lenoir Memorial Hospital or Smithfield Foods to maintain their existing group health benefits for a limited period.
Small business SHOP plans through the ACA Marketplace allow small employers in Lenoir County to offer group health coverage to their workers, including those at locally owned businesses near UNC Health Lenoir.
For 2026, Blue Cross NC offers plans in Lenoir County under two distinct network structures, Blue Advantage and Blue Care, giving residents meaningful choices in how broadly they can access providers across the region. Blue Advantage operates as a PPO with the largest nationwide network, covering more than 95 percent of North Carolina doctors in-network, while Blue Care is also a PPO with a broad statewide network covering more than 92 percent of NC doctors in-network. Both network types connect Lenoir County residents to key local facilities including UNC Health Lenoir in Kinston and regional referral centers within the ECU Health system.
Blue Advantage, a PPO network, connects Lenoir County members to more than 95 percent of NC doctors in-network, including providers at UNC Health Lenoir and ECU Health Medical Center in Greenville.
Blue Care, a PPO network, provides broad statewide coverage reaching more than 92 percent of NC doctors in-network, supporting access to local specialists at Kinston Medical Specialists and Lenoir Family Medicine.
Both Blue Advantage and Blue Care plans allow Lenoir County residents to access ECU Health facilities in Greenville, including ECU Health Medical Center and ECU Health Maynard Children's Hospital, through in-network benefits.
Blue Advantage PPO plans offer Lenoir County residents flexibility to seek care at regional hospitals such as Wayne UNC Health Care in Goldsboro without requiring a primary care referral.
Blue Care PPO plans support Lenoir County residents who rely on community health resources such as the Kinston Community Health Center and ECU Health Family Medicine in La Grange for primary care.
Both network types available in Lenoir County are structured as PPO plans, meaning members can self-refer to specialists and out-of-area providers, with in-network cost advantages at local facilities.
Bronze plans in Lenoir County start at approximately $476.59/month before subsidies. With a median household income of $44,795, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Lenoir County start at $476.59 per month for a 35-year-old before subsidies, offering the lowest available monthly premium with higher out-of-pocket costs when care is needed.
Silver plans start at $612.52 per month before subsidies and are the only tier eligible for cost-sharing reductions, which lower deductibles and copays for qualifying Lenoir County households.
Gold plans start at $633.41 per month before subsidies and feature lower out-of-pocket costs throughout the year, making them a strong value for residents who use healthcare services frequently.
Lenoir County residents with household incomes between 100 and 400 percent of the federal poverty level qualify for Premium Tax Credits that reduce monthly marketplace plan premiums.
Enhanced subsidies under the Inflation Reduction Act can reduce monthly Silver plan premiums to as low as $0 for eligible lower-income Lenoir County households who enroll through the marketplace.
Cost-sharing reductions on Silver plans are available to Lenoir County households earning up to 250 percent of the federal poverty level, lowering deductibles and out-of-pocket maximums beyond the premium savings alone.
For 2026, Blue Cross NC is the sole ACA Marketplace carrier serving Lenoir County, offering a total of 14 individual and family plans across multiple coverage tiers. These plans are available under two PPO network structures, Blue Advantage and Blue Care, each providing different levels of statewide provider access for Lenoir County residents. Blue Advantage connects members to the largest nationwide PPO network with more than 95 percent of NC doctors in-network, while Blue Care offers a broad statewide PPO network reaching more than 92 percent of NC providers, both supporting access to key local facilities including UNC Health Lenoir and the ECU Health system. The choice between Blue Advantage and Blue Care affects which specific hospitals, specialists, and primary care providers a Lenoir County resident can see at in-network cost levels, making network selection a critical step in the enrollment process. Health Plans of NC agents compare every available Blue Cross NC plan side-by-side at no cost, helping Lenoir County residents select the plan that best matches their provider relationships and budget.
Blue Cross NC: PPO plans under the Blue Advantage and Blue Care networks, with 14 individual and family plans available in Lenoir County for 2026.
North Carolina expanded Medicaid in December 2023, extending free or very low-cost coverage to adults in Lenoir County who earn up to 138 percent of the federal poverty level. With an uninsured rate of 10.2 percent representing approximately 6,000 Lenoir County residents, and a county poverty rate of 22.5 percent, a significant share of the local population may now qualify for Medicaid who did not previously have access. 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. Health Plans of NC offers a free eligibility check for any Lenoir County resident who wants to find out whether they or their family members qualify for Medicaid or CHIP.
Working adults in Lenoir County who earn at or below 138 percent of the federal poverty level are now eligible for full Medicaid benefits following North Carolina's December 2023 expansion.
Children in Lenoir County households earning up to 210 percent of the federal poverty level qualify for NC Health Choice CHIP coverage, which provides comprehensive low-cost health benefits for minors.
Pregnant women in Lenoir County may qualify for Medicaid at higher income thresholds than the standard adult expansion limit, covering prenatal, delivery, and postpartum care through local providers.
Lenoir County residents with disabilities may qualify for Medicaid regardless of age, with eligibility determined through a separate SSI-related pathway that does not depend on the expansion income limit.
With a poverty rate of 22.5 percent in Lenoir County, thousands of residents may be eligible for Medicaid or CHIP and can confirm their eligibility at no cost by contacting Health Plans of NC.
Health Plans of NC licensed agents serve Lenoir County residents at no cost, comparing every available 2026 plan side-by-side and guiding you through enrollment from start to finish. Call 800-797-0327 today to speak with a local expert who can find the right plan for your household.
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 Lenoir 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 |
|---|---|---|
Carolina East Medical Ctr | 2000 Neuse Blvd, New Bern, NC 28560 | (252) 633-8111 |
Carteret Health Care | 3500 Arendell St, Morehead City, NC 28557 | (252) 499-6000 |
Cherry Hospital | 1401 W Ash St, Goldsboro, NC 27530 | (919) 947-7000 |
ECU Health Beaufort Hosp A | 628 E 12th St, Washington, NC 27889 | (252) 975-4100 |
ECU Health Maynard Children's | 2102 Stantonsburg Rd, Greenville, NC 27834 | (252) 816-3714 |
ECU Health Medical Ctr | 2100 Stantonsburg Rd, Greenville, NC 27834 | (252) 847-4100 |
UNC Lenoir Health Care | 100 Airport Rd, Kinston, NC 28501 | (252) 522-7000 |
Walter B Jones Alcohol & Drug | 2577 W 5th St, Greenville, NC 27834 | (252) 830-3426 |
Wayne MEMORIAL Hospital | 2605 Medical Office Pl, Goldsboro, NC 27534 | (919) 731-6112 |
Wayne UNC Health Care | 2700 Wayne Memorial Dr, Goldsboro, NC 27534 | (919) 736-1110 |
Clinic | Address | Phone |
|---|---|---|
Abhishek K Mishra MD | 701 Doctors Dr, Kinston, NC 28501 | (252) 559-2200 |
Acupuncture Of Eastern NC | 1425 S Glenburnie Rd # 6, New Bern, NC 28562 | (252) 665-3294 |
Audit-Tel | , Greenville, NC 27858 | (252) 353-3331 |
Cape Carteret Family Medicine | 1057d Cedar Point Blvd # D, Cedar Point, NC 28584 | (252) 764-2121 |
Community Care Plan-Eastern | 521 Moye Blvd # C, Greenville, NC 27834 | (252) 816-0830 |
East Carolina Heart Inst | 526 Moye Blvd, Greenville, NC 27834 | (252) 847-5755 |
East Carolina Univ Family Med | 101 Heart Dr, Greenville, NC 27834 | (252) 744-4611 |
East Coast Onsite Medical Care | 505 Greenville Blvd SE, Greenville, NC 27858 | (252) 754-2273 |
Ecu Department-Family Medicine | 101 Heart Dr, Greenville, NC 27834 | (252) 744-2607 |
ECU Health Bover Hospital | 1209 Brown St, Washington, NC 27889 | (252) 975-4308 |
ECU Health Family Medicine-LA | 101 S Carey St, La Grange, NC 28551 | (252) 566-4021 |
ECU Health Gamma Knife Ctr | 2100 Stantonsburg Rd, Greenville, NC 27834 | (252) 847-2611 |
ECU Health Gastroenterology | 521 Moye Blvd # C, Greenville, NC 27834 | (252) 816-0800 |
ECU Health Heart-Vascular Care | 701 Doctors Dr # B, Kinston, NC 28501 | (252) 559-2200 |
ECU Health Sleep Ctr-Grnvll | 4 Doctors Park Medical Dr, Greenville, NC 27834 | (252) 847-7500 |
Goshen Medical Ctr-Fremont | 109 S Sycamore St, Fremont, NC 27830 | (919) 242-4382 |
Goshen Medical Ctr | 2001 Neuse Blvd, New Bern, NC 28560 | (910) 219-1082 |
Goshen Medical Ctr | 325 N Carolina Highway 55, Mount Olive, NC 28365 | (919) 658-5900 |
Healthfirst Medical Ctr Inc | 1201 Carolina Ave, Washington, NC 27889 | (252) 833-0365 |
Lindsey Roberson FNP | 701 Doctors Dr, Kinston, NC 28501 | (252) 559-2200 |
Med Center 1 | 1688 E Arlington Blvd, Greenville, NC 27858 | (252) 353-1464 |
Miracles In Sight | 620 Red Banks Rd, Greenville, NC 27858 | (252) 751-0785 |
Snow Hill Medical Ctr | 1106 Kingold Blvd, Snow Hill, NC 28580 | (252) 747-2921 |
UNC Family Medicine At Rswd | 2600 US Highway 70 W, Goldsboro, NC 27530 | (919) 739-4808 |
Vidant Medical Ctr | 3900 E 10th St, Greenville, NC 27858 | (252) 847-4325 |
Vidant Outpatient Rehab | 2310 Stantonsburg Rd, Greenville, NC 27834 | (252) 847-6603 |
Vitality Health & Wellness | 1429 E Fire Tower Rd # 104, Greenville, NC 27858 | (252) 364-2802 |
Westcare Innovative Healthcare | 2710 Beddard Rd, Grimesland, NC 27837 | (252) 754-0920 |
Lenoir County ZIP Codes include: 28501, 28502, 28503, 28504, 28525, and 28551
