Find Your Most Affordable Health Insurance Plan in Onslow County
in North Carolina
Onslow County residents can compare 15 health insurance options for 2026.
Blue Value is a good fit if you are flexible about which doctors you see – or if your doctor or hospital is part of this smaller network. The network is statewide, making it easy to get in-network care if you travel or have a child away at college within North Carolina.
Limited statewide network for savings
Network includes, but is not limited to, Atrium Health Wake Forest Baptist, CaroMont Health, Duke LifePoint Healthcare, Novant Health and UNC Health Alliance.
The following doctor/hospital networks are considered out-of-network for Blue Value: Atrium Health (not including Atrium Health Wake Forest Baptist), Duke Health and WakeMed. Out-of-state providers are also out-of-network. 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 covered services will be covered at the out-of-network benefit level.
Blue Value is available on and off Marketplace to residents of these North Carolina counties: Alexander, Brunswick, Burke, Caldwell, Catawba, Cleveland, Columbus, Duplin, Gaston, Iredell, Lincoln, New Hanover, Onslow, Pender, and Surry.
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 Onslow County, NC with Health Plans of NC. Health Plans of NC helps residents of Onslow County, NC find and enroll in the right health insurance plan for 2026, with local expertise connecting families to coverage through providers like Onslow Memorial Hospital and employers such as Onslow County Schools and Camp Lejeune.
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 |
Blue Value | HMO | Value-focused HMO with lower premiums |
Onslow County is home to 208,537 residents, a population that has grown 1.9 percent since 2020, including a 4.0 percent foreign-born community with diverse coverage needs spanning ACA Marketplace plans, Medicaid, employer-sponsored insurance, and military-affiliated coverage. Major employers like Camp Lejeune, MCAS New River, Onslow County Schools, Walmart, the Marine Corps Exchange, and the County of Onslow anchor a workforce that accesses coverage through a mix of employer group plans and individual marketplace options. Health systems such as Onslow Memorial Hospital and Naval Hospital Camp Lejeune serve as the backbone of local healthcare delivery, making it essential that residents select plans with strong in-network access to these facilities.
ACA Marketplace plans are available to Onslow County residents who are self-employed, work part-time at employers like Walmart, or do not have access to job-based coverage.
Medicaid coverage is available to qualifying low-income Onslow County adults and families, with eligibility checks provided free of charge through Health Plans of NC.
Employer-sponsored insurance is a primary coverage source for many Onslow County workers employed at Onslow County Schools, the County of Onslow, and the Marine Corps Exchange.
Short-term health plans can provide temporary coverage for Onslow County residents between jobs or waiting for open enrollment, though these plans carry important limitations to review carefully.
COBRA continuation coverage allows recently separated employees of Onslow County employers to maintain their existing group health benefits for a limited period after leaving a job.
Small business SHOP plans through the ACA Marketplace offer Onslow County small employers a structured way to provide group health coverage to their workforce and remain competitive in hiring.
For 2026, Onslow County residents can choose from plans organized across three Blue Cross NC networks, Blue Advantage, Blue Care, and Blue Value, each offering a different balance of provider access and plan structure including PPO and HMO options. Blue Advantage and Blue Care are both PPO networks, giving enrollees broad flexibility to access local providers like Onslow Memorial Hospital and Brynn Marr Hospital without referral requirements, while Blue Value operates as an HMO with lower premiums and a more structured care coordination model. Health Plans of NC helps Onslow County residents compare all available plan structures side by side to identify which network best matches their preferred local hospitals, specialists, and care patterns.
Blue Advantage, a PPO network, covers more than 95 percent of NC doctors in-network and connects Onslow County enrollees to Onslow Memorial Hospital and Brynn Marr Hospital with broad statewide access.
Blue Care, a PPO network, covers more than 92 percent of NC doctors in-network and provides Onslow County residents with wide access to local specialist clinics, urgent care centers, and area hospitals.
Blue Value, an HMO network, offers Onslow County residents lower monthly premiums in exchange for a more coordinated care model requiring primary care referrals for specialist visits.
PPO plans under Blue Advantage and Blue Care allow Onslow County residents to see cardiologists, orthopedic providers, and dermatologists directly without first obtaining a referral.
HMO plans under Blue Value are well suited for Onslow County residents who have a consistent primary care provider and want predictable, lower-cost coverage for routine and preventive care.
All three networks, Blue Advantage, Blue Care, and Blue Value, interact with key Onslow County facilities, and Health Plans of NC can confirm specific provider participation before enrollment.
Bronze plans in Onslow County start at approximately $439.77/month before subsidies. With a median household income of $64,568, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Onslow County start at $439.77 per month for a 35-year-old, offering the lowest monthly premium with higher deductibles suited for residents who rarely need routine care.
Silver plans start at $576.48 per month and are the only tier eligible for cost-sharing reductions, which can lower deductibles and copays for qualifying Onslow County households.
Gold plans start at $604.90 per month and provide lower out-of-pocket costs at the point of care, making them a strong fit for residents who use local specialists or hospital services regularly.
Onslow County residents with household income between 100 and 400 percent of the federal poverty level qualify for premium tax credits that reduce monthly costs across all metal tiers.
Some Onslow County enrollees at lower income levels may qualify for a $0 premium Silver plan after tax credits are applied, depending on household size and annual income.
Out-of-pocket maximums differ across the 15 available plans, and selecting a plan with a lower maximum helps Onslow County residents manage costs if they require significant hospital or specialty care.
Blue Cross NC is the sole ACA Marketplace carrier serving Onslow County for 2026, offering a total of 15 plans across Bronze, Silver, Gold, and Catastrophic tiers. These 15 plans are organized across three distinct networks, Blue Advantage, Blue Care, and Blue Value, giving Onslow County residents meaningful choice in how they access care and structure their cost-sharing. Blue Advantage and Blue Care function as PPO networks with broad in-network access to local hospitals and providers, while Blue Value operates as an HMO with lower premiums and a coordinated referral-based care model. The network a resident selects directly affects whether they can see local specialists at facilities like Onslow Memorial Hospital or Brynn Marr Hospital without a referral, making that choice as important as the metal tier. Health Plans of NC compares every Blue Cross NC plan available in Onslow County side by side at no cost to the resident, ensuring each enrollee finds the right fit for their providers and household budget.
Blue Cross NC, the only ACA Marketplace carrier in Onslow County for 2026, offers 15 plans across PPO structures under Blue Advantage and Blue Care and an HMO structure under Blue Value, spanning Bronze, Silver, Gold, and Catastrophic coverage tiers.
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, opening a significant new coverage pathway for Onslow County residents who previously fell into the coverage gap. Onslow County currently has an uninsured rate of 10.1 percent, representing approximately 21,000 residents, many of whom may now be eligible for Medicaid or other subsidized coverage but have not yet enrolled. 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 across the county. Health Plans of NC offers free eligibility checks for Onslow County residents who want to find out whether they or their children qualify for Medicaid, CHIP, or a subsidized Marketplace plan.
Working adults in Onslow County who earn at or below 138 percent of the federal poverty level may now qualify for full Medicaid coverage following North Carolina's December 2023 expansion.
Children in Onslow County families with income up to 210 percent of the federal poverty level may be eligible for NC Health Choice, providing comprehensive low-cost coverage for routine and preventive pediatric care.
Pregnant women in Onslow County are eligible for expanded Medicaid coverage during pregnancy and for a postpartum period, ensuring access to prenatal and delivery care at local hospitals.
Onslow County residents with disabilities or long-term care needs may qualify for Medicaid programs tailored to their specific medical and functional requirements.
With a county poverty rate of 11.7 percent, a meaningful share of Onslow County households may qualify for Medicaid or CHIP, and Health Plans of NC can verify eligibility at no cost.
Health Plans of NC licensed agents serve Onslow County residents at no cost, comparing every available 2026 plan side by side and guiding each household through enrollment from start to finish. Call 800-797-0327 today to speak with a local agent who can find the right plan for your needs and budget.
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 Onslow 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 |
|---|---|---|
Brynn Marr Hospital | 192 Village Dr, Jacksonville, NC 28546 | (910) 577-1400 |
Cape Fear Vly Bladen County | 501 S Poplar St, Elizabethtown, NC 28337 | (910) 862-5100 |
Columbus Regional Healthcare | 500 Jefferson St, Whiteville, NC 28472 | (910) 642-8011 |
Dosher Memorial Hospital | 924 N Howe St, Southport, NC 28461 | (910) 457-3800 |
ECU Health Duplin Hospital | 401 N Main St, Kenansville, NC 28349 | (910) 296-0941 |
Naval Medical Ctr Camp Lejeune | 100 Brewster Blvd, Camp Lejeune, NC 28547 | (910) 450-4357 |
New Hanover Regional Med Ctr | 2131 S 17th St, Wilmington, NC 28401 | (910) 667-7000 |
New Hanover Regl Med Ctr-Rehab | 2131 S 17th St, Wilmington, NC 28401 | (910) 667-7835 |
NHRMC Betty H Cameron Women's | 2131 S 17th St, Wilmington, NC 28401 | (910) 667-7360 |
Novant Health Brunswick Med | 240 Hospital Dr NE, Bolivia, NC 28422 | (910) 721-1000 |
Novant Health New Hanover | 5301 Wrightsville Ave, Wilmington, NC 28403 | (910) 667-8100 |
Onslow Memorial Hospital | 317 Western Blvd, Jacksonville, NC 28546 | (910) 577-2345 |
Pender Memorial Hospital | 507 E Fremont St, Burgaw, NC 28425 | (910) 259-5451 |
Sampson Regional Medical Ctr | 607 Beaman St, Clinton, NC 28328 | (910) 592-8511 |
Southeastern Regional Med Ctr | 300 W 27th St, Lumberton, NC 28358 | (910) 671-5000 |
UNC Health Southeastern | 4300 Fayetteville Rd, Lumberton, NC 28358 | (910) 608-3078 |
Onslow County ZIP Codes include: 28445, 28454, 28460, 28539, 28540, 28541, 28542, 28543, 28544, 28545, 28546, 28547, 28555, 28574, and 28582
