Find Your Most Affordable Health Insurance Plan in Martin County
in North Carolina
Martin County residents can compare 17 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 Martin County, NC with Health Plans of NC. Health Plans of NC helps Martin County residents find affordable, comprehensive health coverage, connecting families served by Vidant Martin Hospital and employers like Flagstone Foods to the right plan for their needs and budget.
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 |
Martin County's 21,773 residents, a population that has declined by 1.2% since 2020, have access to multiple health coverage pathways including ACA Marketplace plans, Medicaid, and employer-sponsored insurance through major local employers such as Flagstone Foods, Martin County Schools, Walmart, the County of Martin, and Martin Community College. Health systems including Vidant Martin Hospital and ECU Health anchor local medical care, making plan network compatibility an important consideration when selecting coverage. The county's 1.7% foreign-born resident population can also access enrollment assistance through Health Plans of NC, where agents are available to guide residents through every available option.
ACA Marketplace plans are available to Martin County residents who do not have access to qualifying employer coverage, connecting enrollees to local providers including Vidant Martin Hospital and ECU Health facilities.
Medicaid coverage is available to eligible low-income Martin County residents, including many workers employed by smaller businesses or part-time positions with employers like Walmart or Martin Community College who lack employer-sponsored benefits.
Employer-sponsored health plans cover many Martin County residents working for major local employers such as Flagstone Foods, Martin County Schools, and the County of Martin, offering group rates negotiated through the employer.
Short-term health plans may serve as a temporary bridge for Martin County residents between jobs or waiting for open enrollment, though they do not meet ACA minimum essential coverage standards.
COBRA continuation coverage allows Martin County residents who have recently lost employer-sponsored insurance, such as former employees of Martin County Schools or other local employers, to maintain their existing plan for a limited period.
Small business SHOP Marketplace plans are available to Martin County small business owners who want to offer group coverage to employees and potentially qualify for the small business health care tax credit.
For 2026, Martin County residents can choose from 17 Blue Cross NC plans structured across Blue Advantage and Blue Care networks, with plan types that include PPO and EPO options giving enrollees flexibility in how they access care at local facilities. The Blue Advantage network is a PPO covering more than 95% of North Carolina doctors in-network, while the Blue Care network is a PPO covering more than 92% of North Carolina doctors, both connecting Martin County policyholders to providers at Vidant Martin Hospital and nearby ECU Health locations. Health Plans of NC agents review every available 2026 plan structure to match Martin County residents with the network and coverage tier that best fits their provider relationships.
Blue Advantage, PPO network, connects Martin County enrollees to the largest nationwide provider network with more than 95% of NC doctors in-network, including access to Vidant Martin Hospital and ECU Health facilities.
Blue Care, PPO network, provides broad statewide coverage with more than 92% of NC doctors in-network, giving Martin County residents strong access to local providers at Vidant Martin Hospital and regional ECU Health locations.
Bronze-tier plans within Blue Advantage and Blue Care networks offer lower monthly premiums with higher deductibles, suited for Martin County adults who want financial protection without high ongoing costs.
Silver-tier plans are available under both Blue Advantage and Blue Care networks and are the only tier eligible for cost-sharing reductions, which can significantly lower deductibles and copays for qualifying Martin County enrollees.
Gold-tier plans under Blue Advantage and Blue Care networks carry higher monthly premiums in exchange for lower out-of-pocket costs, benefiting Martin County residents who regularly use services at Vidant Martin Hospital or ECU Health specialist locations.
Catastrophic plans are available to Martin County adults under age 30 or those with a qualifying hardship exemption, providing a lower-cost safety net for major medical events through the Blue Cross NC network.
Bronze plans in Martin County start at approximately $403.47/month before subsidies. With a median household income of $46,793, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Martin County start at $403.47 per month for a 35-year-old before any federal premium tax credit is applied, offering the lowest monthly premium with a higher deductible structure.
Silver plans start at $518.72 per month for a 35-year-old before subsidies and are the only tier eligible for cost-sharing reductions, which can lower deductibles, copays, and out-of-pocket maximums for qualifying residents.
Gold plans start at $536.24 per month for a 35-year-old before subsidies, offering lower out-of-pocket costs in exchange for a higher monthly premium, which can benefit residents with frequent medical needs.
Martin County residents with a household income between 100% and 400% of the federal poverty level qualify for ACA premium tax credits that reduce the monthly cost of any metal-tier plan on the Marketplace.
Some Martin County households with income just above the Medicaid threshold may qualify for a $0 premium Silver plan after enhanced subsidies are applied, making comprehensive coverage available at no monthly cost.
Out-of-pocket maximums for 2026 ACA plans cap the total annual cost a Martin County enrollee pays for in-network covered services, providing financial protection against large medical expenses at facilities like Vidant Martin Hospital.
Blue Cross NC is the sole ACA Marketplace carrier serving Martin County for 2026, offering a total of 17 individual and family health plans across multiple coverage tiers and structures. These plans are built on two available networks, Blue Advantage and Blue Care, both structured as PPO plans that give Martin County enrollees broad in-network access without requiring referrals for specialist visits. The Blue Advantage network connects policyholders to the largest nationwide provider footprint, while Blue Care delivers broad statewide coverage, and both networks include access to local facilities such as Vidant Martin Hospital and regional ECU Health locations. Choosing between these two networks matters in a rural county like Martin County, where in-network access to the nearest specialist or hospital directly affects both care quality and out-of-pocket costs. Health Plans of NC licensed agents compare every Blue Cross NC plan side-by-side at no cost to Martin County residents, ensuring each family selects the structure that best matches their providers and coverage needs.
Blue Cross NC, offering PPO plans under the Blue Advantage and Blue Care networks, with 17 total health plans available in Martin County for 2026 across Bronze, Silver, Gold, and Catastrophic tiers.
North Carolina expanded Medicaid in December 2023, extending free or low-cost coverage to adults earning up to 138% of the federal poverty level, a threshold that makes many Martin County residents newly eligible who may not yet be enrolled. Currently 7.7% of Martin County residents, approximately 2,000 people, remain uninsured, and a significant share of these individuals may qualify for Medicaid or heavily subsidized Marketplace coverage they are not yet receiving. The county's 19.6% poverty rate means a substantial portion of the local population falls within or near Medicaid eligibility guidelines, making an eligibility check a critical first step. Children in families earning up to 210% of the federal poverty level may qualify for NC Health Choice, the state's CHIP program, and Health Plans of NC can conduct a free eligibility review for any Martin County household.
Working adults in Martin County earning at or below 138% of the federal poverty level may now qualify for full NC Medicaid coverage following the December 2023 expansion, even if they were previously denied.
Children in Martin County families earning up to 210% of the federal poverty level may qualify for NC Health Choice, the CHIP program, which provides comprehensive pediatric coverage at little or no cost.
Pregnant women in Martin County are eligible for Medicaid coverage with an expanded income threshold, ensuring access to prenatal care and delivery services at local and regional facilities.
Martin County's 19.6% poverty rate means a large share of county residents are likely income-eligible for Medicaid or CHIP, and many may benefit from a free eligibility review with Health Plans of NC.
People with disabilities and low-income seniors in Martin County may qualify for Medicaid coverage that coordinates with Medicare, helping reduce out-of-pocket costs for medical services and prescription drugs.
Health Plans of NC licensed agents serve Martin County residents at absolutely no cost, comparing every available 2026 plan side-by-side to find the best fit for your budget, providers, and coverage needs. Call 800-797-0327 today to speak with a local agent who can guide you through enrollment and ensure 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 Martin 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 |
Martin County ZIP Codes include: 27825, 27840, 27841, 27846, 27857, 27861, 27871, and 27892
