Find an Affordable Health Insurance Plan in Moore 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 |
| Cigna Healthcare | 10 |
| Total | 43 |
Source: CMS QHP Landscape PY2026, Individual Market Medical, updated August 26, 2026 (data.healthcare.gov). Counts distinct Plan IDs offered on the Marketplace in Moore County, once per carrier.
in North Carolina
Find affordable health insurance in Moore County, NC with Health Plans of NC. Health Plans of NC helps Moore County residents find and compare health insurance plans for 2026, connecting individuals and families to coverage that works with providers like FirstHealth Moore Regional Hospital and employers such as Pinehurst Resort and Moore County Schools.
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 |
Moore County, with a population of 102,840 that has grown 3.1 percent since 2020, offers residents a range of health insurance pathways through ACA Marketplace plans, employer-sponsored coverage, Medicaid, and more. Major employers including FirstHealth of the Carolinas, Moore County Schools, Aya Healthcare Services, Pinehurst Resort, and the County of Moore provide group coverage options for many working residents, while the FirstHealth system anchors local healthcare access for those on individual plans. Approximately 5.0 percent of Moore County residents are foreign-born, and Health Plans of NC helps all residents, regardless of background, navigate their coverage options at no cost.
ACA Marketplace coverage connects Moore County individuals and families to plans that include FirstHealth Moore Regional Hospital and local primary care practices like Pinehurst Family Care Center.
Medicaid coverage is available to qualifying Moore County residents, including many working adults employed by smaller local businesses who meet income requirements.
Employer-sponsored insurance is offered by major Moore County employers such as FirstHealth of the Carolinas, Pinehurst Resort, and Moore County Schools, covering a large share of the county workforce.
Short-term coverage provides temporary protection for Moore County residents between jobs or transitioning away from employer-sponsored plans at organizations like Aya Healthcare Services.
COBRA continuation coverage allows Moore County residents who lose group coverage through employers like the County of Moore to maintain their existing plan for a limited period.
Small business SHOP plans are available to Moore County small employers who want to offer group health benefits and give employees access to the FirstHealth provider network.
For 2026, Moore County residents can choose from plans offered under two Blue Cross NC networks: Blue Advantage and Blue Care, with options spanning structures that provide broad provider access across the region. The Blue Advantage PPO network covers more than 95 percent of North Carolina doctors and connects Moore County enrollees to FirstHealth Moore Regional Hospital, Sandhills Center for mental health services, and specialty practices throughout the Pinehurst area. The Blue Care HMO network covers more than 95 percent of North Carolina doctors and also provides in-network access to key Moore County providers, including FirstHealth Moore Pediatric Center and long-term care facilities like Quail Haven Village.
Blue Advantage, PPO, provides access to over 95 percent of NC doctors, including FirstHealth Moore Regional Hospital and its cardiology, oncology, and orthopedics departments.
Blue Advantage, PPO, includes in-network coverage for mental health services through Sandhills Center, supporting Moore County residents managing behavioral health needs.
Blue Advantage, PPO, connects enrollees to pediatric care at FirstHealth Moore Pediatric Center and primary care at Pinehurst Family Care Center and FirstHealth Family Medicine Pinehurst.
Blue Care, HMO, covers over 95 percent of NC doctors and provides Moore County residents with broad statewide access while still including FirstHealth Moore Regional Hospital as an in-network facility.
Blue Care, HMO, supports access to long-term care providers like Quail Haven Village and specialty services available through the FirstHealth system in Moore County.
Blue Advantage allows Moore County residents to see out-of-network providers at a higher cost, offering flexibility for those who travel or need specialized care beyond the local area, while Blue Care covers out-of-network care only for emergencies and urgent care.
Bronze plans in Moore County start at approximately $463.63/month before subsidies. With a median household income of $82,837, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Moore County start at $463.63 per month for a 35-year-old before subsidies, offering the lowest monthly premiums with higher out-of-pocket costs when care is needed.
Silver plans start at $593.60 per month for a 35-year-old 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 $626.35 per month for a 35-year-old before subsidies, providing lower out-of-pocket costs at the point of care in exchange for higher monthly premiums.
Moore County residents earning between 100 and 150 percent of the federal poverty level may qualify for benchmark Silver plans with $0 monthly premiums after enhanced premium tax credits are applied.
Households earning up to 400 percent of the federal poverty level are eligible for ACA premium tax credits, and with Moore County's median household income of $82,837, a significant share of residents qualify for meaningful monthly savings.
Out-of-pocket maximums for 2026 ACA plans cap the total annual costs Moore County enrollees pay for in-network covered services, providing financial protection against large medical bills.
For 2026, Blue Cross NC is one of three ACA Marketplace carriers offering health insurance plans in Moore County, with 18 plans available across multiple coverage tiers and structures. These 18 plans are offered under two distinct provider networks, Blue Advantage and Blue Care, both structured as plans that give Moore County residents flexibility in how they access care. The Blue Advantage network connects enrollees to the largest statewide provider footprint, including FirstHealth Moore Regional Hospital at 155 Memorial Drive in Pinehurst, while the Blue Care network provides a broad alternative HMO option that also covers key Moore County facilities and practices. Choosing between these two networks affects which local providers, specialty services, and facilities Moore County residents can access at in-network cost-sharing levels, making it important to verify that preferred doctors and hospitals participate before selecting a plan. Health Plans of NC licensed agents compare all 18 Blue Cross NC plans available in Moore County side-by-side at no cost, helping residents match their provider preferences and household needs to the right plan.
Blue Cross NC, plans under Blue Advantage and Blue Care networks, 18 plans available in Moore County for 2026.
North Carolina expanded Medicaid in December 2023, extending eligibility to adults earning up to 138 percent of the federal poverty level, which opened coverage to many Moore County residents who previously had no affordable options. Moore County's uninsured rate is 7.8 percent, representing approximately 8,000 residents without coverage, a significant share of whom may now qualify for Medicaid or heavily subsidized marketplace plans. Children in Moore County 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 comprehensive coverage for qualifying minors. Health Plans of NC offers free eligibility checks for Moore County residents who want to determine whether they qualify for Medicaid, CHIP, or marketplace coverage.
Working adults in Moore County who earn up to 138 percent of the federal poverty level now qualify for full Medicaid benefits under North Carolina's expanded eligibility rules.
Children in Moore County households earning up to 210 percent of the federal poverty level may qualify for NC Health Choice CHIP coverage, which provides comprehensive low-cost care.
Pregnant women in Moore County qualify for Medicaid with expanded income thresholds, ensuring access to prenatal care, delivery services, and postpartum coverage through the FirstHealth system.
Moore County's poverty rate of 10.0 percent means a meaningful portion of the county's population may be eligible for Medicaid or CHIP and should verify their eligibility with a licensed agent.
Moore County residents with disabilities or those who are elderly with limited income may qualify for Medicaid programs that cover long-term care, prescription drugs, and specialty services.
Health Plans of NC licensed agents serve Moore County residents at no cost, comparing all available plans side-by-side and guiding enrollees through every step of the application and enrollment process. Call 800-797-0327 today to get personalized plan recommendations and exact subsidy calculations with no obligation.
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 Moore 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 |
|---|---|---|
FirstHealth Moore Regional Hospital | 155 Memorial Dr, Pinehurst, NC 28374 |
Clinic | Address | Phone |
|---|---|---|
Biltmore Medical Center | 293 Olmsted Blvd Suite # 1, Pinehurst, NC 28374 | |
Family Clinic | 211 Brook Rd, Aberdeen, NC 28315 | |
FastMed Urgent Care | 1800 N Sandhills Blvd, Aberdeen, NC 28315 | |
FirstHealth Family Medicine - Carthage | 304 Saunders St, Carthage, NC 28327 | |
FirstHealth Family Medicine-Carthage Family Medicine | 1001 Monroe St Ste D, Carthage, NC 28327 | |
FirstHealth Family Medicine-Pinehurst | 150 Ivey Ln Ste B, Pinehurst, NC 28374 | |
FirstHealth Family Medicine-Robbins | 300 S Middleton St, Robbins, NC 27325 | |
FirstHealth Family Medicine-Seven Lakes | 1035 7 Lakes Dr Ste C, West End, NC 27376 | |
FirstHealth Family Medicine-Whispering Pines | 225 Capital Dr Ste 103, Carthage, NC 28327 | |
FirstHealth Primary Care-Southern Pines | 1690 US Hwy 1 S Ste 200, Southern Pines, NC 28387 |
Moore County ZIP Codes include: 27242, 27281, 27325, 27376, 28315, 28327, 28350, 28370, 28373, 28374, 28387, 28388, and 28394
