Find Your Most Affordable Health Insurance Plan in Northampton County
in North Carolina
Northampton County residents can compare 18 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 Northampton County, NC with Health Plans of NC. Health Plans of NC helps residents of Northampton County, NC find and enroll in affordable health insurance coverage, with local ties to employers like Northampton County Schools and health systems such as ECU Health serving the region. Whether you are exploring your first plan or switching coverage, our licensed agents guide you through every option 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 |
Northampton County is home to 17,212 residents, with a population that has shifted by -1.5 percent since 2020 and a foreign-born resident share of 1.6 percent, reflecting a largely stable, rooted community where access to reliable health coverage is an everyday priority. Major local employers such as Meherrin Agricultural and Chemical, Lowe's Home Centers, the County of Northampton, Northampton County Schools, and KIPP ENC Public Schools anchor the workforce, and residents also rely heavily on health systems including ECU Health and its network of regional facilities. Coverage options in Northampton County span multiple programs and plan types, ensuring that individuals, families, and workers across different life situations can find a path to insured care.
ACA Marketplace plans are available to Northampton County residents who are self-employed, work for smaller employers like Meherrin Agricultural and Chemical, or do not have access to job-based coverage.
Medicaid coverage through NC Medicaid Managed Care may be available to qualifying low-income adults and families in Northampton County, with ECU Health facilities participating in managed care networks.
Employer-sponsored health insurance is offered by larger Northampton County employers such as Northampton County Schools and the County of Northampton government, covering many full-time employees and their dependents.
Short-term health plans can serve as a temporary bridge for Northampton County residents between jobs or waiting for an open enrollment period to begin, though they offer limited benefits compared to ACA plans.
COBRA continuation coverage allows Northampton County residents who recently left a job at an employer like KIPP ENC Public Schools or Lowe's Home Centers to temporarily maintain their existing group health plan.
Small business SHOP Marketplace plans are an option for small employers in Northampton County who want to offer group health benefits to their employees through a structured ACA-compliant program.
For 2026, Northampton County residents have access to 18 health insurance plans through the ACA Marketplace, offered across two Blue Cross NC plan networks, Blue Advantage and Blue Care, giving residents a meaningful choice in how broadly they can access providers across the region. Blue Advantage is a PPO network with nationwide reach, while Blue Care is a PPO network with broad statewide coverage, and both connect Northampton County enrollees to key local facilities including ECU Health North Hospital in Roanoke Rapids and ECU Health Roanoke-Chowan Hospital in Ahoskie. Health Plans of NC agents help Northampton County residents evaluate which network aligns best with their preferred hospitals, specialists, and clinics before they enroll.
Blue Advantage, a PPO plan, provides access to the largest nationwide provider network, with over 95 percent of NC doctors in-network, including ECU Health North Hospital in Roanoke Rapids and ECU Health Roanoke-Chowan Hospital in Ahoskie.
Blue Care, a PPO plan, offers broad statewide network coverage with over 92 percent of NC doctors in-network, connecting Northampton County residents to regional facilities such as Halifax Regional Medical Center and ECU Health specialty clinics.
Both Blue Advantage and Blue Care PPO plans allow Northampton County enrollees to see out-of-network providers at a higher cost, giving flexibility to those who travel or use specialists outside the immediate region.
Northampton County residents who rely on ECU Health Family Medicine in Roanoke Rapids or Signature Healthcare on East 14th Street should verify in-network status under their specific chosen network before enrolling.
Plan types within the 18 available options include structures such as PPO and Catastrophic plans, giving Northampton County residents choices based on how they prefer to use and access their health care.
Residents who see specialists like ECU Health Cardiology, ECU Health Orthopedics in Roanoke Rapids, or ECU Health Neurology should confirm provider participation in either the Blue Advantage or Blue Care network before selecting a plan.
Bronze plans in Northampton County start at approximately $522.41/month before subsidies. With a median household income of $47,935, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Northampton County start at $522.41 per month for a 35-year-old before subsidies, offering the lowest monthly premiums with higher deductibles for those who want basic catastrophic protection.
Silver plans start at $671.42 per month before subsidies and are the only tier eligible for cost-sharing reductions, which can lower deductibles and copays for qualifying Northampton County households.
Gold plans start at $694.31 per month before subsidies and feature lower out-of-pocket costs at the point of care, making them a strong fit for residents who use medical services frequently throughout the year.
Northampton County residents with household incomes between roughly 100 and 400 percent of the federal poverty level are eligible for ACA premium tax credits on a sliding scale, and enhanced subsidies may extend further up the income range.
Households near or below the county median income of $47,935 are likely to qualify for meaningful premium tax credits that reduce the Bronze, Silver, or Gold starting prices considerably each month.
Some Northampton County residents with lower incomes may qualify for a $0 premium Silver plan after tax credits are applied, providing mid-tier coverage at no monthly cost through the ACA Marketplace.
For 2026, Blue Cross NC is the sole ACA Marketplace carrier offering plans in Northampton County, with 18 total plans available to individuals and families across the county. These plans are offered under two distinct networks, Blue Advantage and Blue Care, both structured as PPO plans that give enrollees flexibility in how they access in-network and out-of-network care. Blue Advantage connects Northampton County residents to the largest nationwide provider network, while Blue Care provides broad statewide PPO access, and both networks include key regional health systems such as ECU Health and its affiliated hospitals and clinics throughout northeastern North Carolina. The network you select directly affects which local hospitals, clinics, and specialists you can visit at the lowest cost, making it essential to verify that your preferred providers, such as ECU Health North Hospital or ECU Health Roanoke-Chowan Hospital, participate in your chosen network. Health Plans of NC compares every available Blue Cross NC plan side-by-side at no cost, helping Northampton County residents make a confident, well-informed enrollment decision.
Blue Cross NC offers 18 ACA Marketplace plans in Northampton County for 2026, available as PPO plan types across the Blue Advantage and Blue Care networks, covering a range of Bronze, Silver, Gold, and Catastrophic benefit levels.
North Carolina expanded Medicaid in December 2023, extending free or low-cost coverage to adults earning up to 138 percent of the federal poverty level, and Northampton County residents who were previously uninsured may now qualify under this expansion. With an uninsured rate of 9.9 percent representing approximately 2,000 residents without coverage, and a county poverty rate of 20.0 percent, a substantial share of Northampton County individuals and families may be eligible for NC Medicaid at little to no monthly cost. 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 comprehensive dependent coverage even when parents are enrolled in a separate Marketplace plan. Health Plans of NC offers free eligibility checks for Northampton County residents who want to find out whether they qualify for Medicaid, CHIP, or another low-cost coverage option.
Working adults in Northampton County who earn at or below 138 percent of the federal poverty level may now qualify for full NC Medicaid coverage following the December 2023 expansion.
Children in Northampton County families may qualify for NC Health Choice (CHIP), providing comprehensive pediatric coverage for households that earn too much for Medicaid but still need assistance with insurance costs.
Pregnant women in Northampton County are eligible for expanded Medicaid coverage that includes prenatal, delivery, and postpartum care, often with little to no out-of-pocket cost during and after pregnancy.
Seniors with low income in Northampton County may qualify for Medicaid as a supplement to Medicare, helping to cover premiums, copays, and services not fully paid by Medicare alone.
Northampton County residents with disabilities who meet income requirements may qualify for NC Medicaid, and with the county's poverty rate at 20.0 percent, many in this group may be eligible but not yet enrolled.
Health Plans of NC licensed agents serve Northampton County residents at absolutely no cost, comparing all 18 available plans side-by-side and walking you through every step of enrollment so you get the right coverage for your situation. Call us today at 800-797-0327 to speak with a local agent who understands your community and your options.
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 Northampton 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 |
Northampton County ZIP Codes include: 27820, 27831, 27832, 27842, 27845, 27853, 27854, 27862, 27866, 27867, 27869, 27876, 27877, and 27897
