Find Your Most Affordable Health Insurance Plan in Orange County
in North Carolina
Orange County residents can compare 16 health insurance options for 2026.
Blue Home with UNC Health Alliance is a good option if you wish to get care from UNC Health and its affiliated doctors and hospitals. Since the majority of doctors in this plan are in the same network, it’s easier for them to work together on your behalf.
UNC Health’s network of hospitals and providers including more than 1,800 primary care providers.2
A provider network that includes UNC Medical Center, nationally ranked in one adult and nine pediatric specialties by U.S. News;3 along with UNC Rex Hospital, rated by U.S. News as high performing in 16 adult procedures and conditions.4
All doctors outside the UNC Health Alliance provider network are considered out-of-network and not covered for Blue Home with UNC Health Alliance, including: Cone Health, Duke Health and WakeMed. 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.
Notes
Blue Cross NC has collaborated with UNC Health to bring you Blue Home with UNC Health Alliance. Blue Home with UNC Health Alliance is a health insurance plan offered by Blue Cross NC that provides access to a limited network of providers. UNC Health is an independent company that is solely responsible for the physicians and medical facilities it owns and operates. UNC Health does not offer Blue Cross or Blue Shield products or services.
UNC Health, www.unchealthcare.org/health-alliance/ (Accessed August 2024).
U.S. News and World Report, www.usnews.com/best-hospitals/area/nc/university-of-north-carolina-hospitals-6360260 (Accessed August 2024).
U.S. News and World Report, www.usnews.com/best-hospitals/area/nc/rex-healthcare-6361210 (Accessed August 2024).
Blue Home with UNC Health Alliance is available on and off Marketplace to residents of these North Carolina counties: Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Nash, Orange, Person, and Wake.
Blue Advantage - Off Marketplace 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.
in North Carolina
Find affordable health insurance in Orange County, NC with Health Plans of NC. Health Plans of NC helps Orange County residents find and compare health insurance plans that connect them to local providers like UNC Health Care and UNC Hospitals, at no cost to the resident. Whether you live in Chapel Hill, Hillsborough, or anywhere across the county, our licensed agents are ready to help you enroll in the right coverage for 2026.
Plan Network | Type | Network Coverage |
|---|---|---|
Blue Advantage | PPO | Largest nationwide network, 95%+ of NC doctors in-network (off-Marketplace only) |
Blue Home with UNC Health Alliance | HMO | UNC Health hospitals and affiliated providers |
Orange County is home to 147,292 residents, a population that has shifted by -0.9 percent since 2020, with 12.6 percent of residents born outside the United States, reflecting a diverse community with varied coverage needs. Major institutional employers such as UNC Chapel Hill, UNC Health Care, Chapel Hill-Carrboro City Schools, Orange County, and Orange County Schools anchor the local economy and shape the types of coverage most relevant to area households. From ACA Marketplace plans connecting residents to UNC Hospitals and UNC Medical Center, to employer-sponsored group benefits and government programs, Orange County residents have access to a range of meaningful coverage pathways.
ACA Marketplace plans through Blue Cross NC give Orange County residents access to coverage tied to major health systems including UNC Hospitals and Duke University Hospital.
Medicaid coverage is available to eligible low-income Orange County residents, including those employed in part-time or seasonal roles at institutions like Orange County Schools.
Employer-sponsored group health plans offered by large local employers such as UNC Chapel Hill and UNC Health Care typically cover a substantial share of employee premiums.
COBRA continuation coverage allows Orange County residents who recently left positions at employers like Chapel Hill-Carrboro City Schools to maintain their existing health benefits temporarily.
Short-term health plans may serve as a bridge for Orange County residents between jobs at local institutions or awaiting a new employer enrollment period.
Small business SHOP Marketplace plans are available to Orange County small business owners who want to offer group coverage to employees, including those in Chapel Hill and Hillsborough.
For 2026, Orange County residents can choose from 16 plans offered through Blue Cross NC, spanning two distinct plan networks designed to align with the county's major health systems. The Blue Advantage network operates as a PPO and is available exclusively off the Marketplace, while the Blue Home with UNC Health Alliance network is an HMO built around UNC Health hospitals and affiliated providers. Selecting the right network is essential for residents who want to ensure their preferred doctors and facilities at UNC Hospitals or affiliated UNC Health Care clinics remain in-network.
Blue Advantage, a PPO network available off the Marketplace only, provides access to a broad national provider network suited for Orange County residents who see specialists across multiple health systems.
Blue Home with UNC Health Alliance, an HMO network, connects Orange County enrollees directly to UNC Health hospitals, UNC Medical Center, and affiliated primary care and specialty clinics throughout the region.
HMO plans under Blue Home with UNC Health Alliance require Orange County residents to select a primary care physician who coordinates referrals to in-network UNC Health Alliance specialists.
PPO plans under Blue Advantage allow Orange County residents to seek care from a wider range of providers without a referral, which may benefit those with established relationships outside the UNC Health Alliance system.
Residents in Hillsborough can verify that the Health Center of Hillsborough and UNC Hospitals Lab Hillsborough are covered under their selected network before enrolling.
Health Plans of NC agents can compare both available networks side-by-side to help Orange County residents confirm that their preferred providers at UNC Hospitals or affiliated clinics are included in their chosen plan.
Bronze plans in Orange County start at approximately $443.10/month before subsidies. With a median household income of $88,553, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans start at $443.10 per month for a 35-year-old in Orange County, offering the lowest premiums with higher out-of-pocket costs when care is needed.
Silver plans start at $569.49 per month for a 35-year-old and are the only tier eligible for cost-sharing reductions that lower deductibles and copays for qualifying households.
Gold plans start at $588.91 per month for a 35-year-old in Orange County, providing lower out-of-pocket costs in exchange for higher monthly premiums.
Households with incomes between 100 and 400 percent of the federal poverty level qualify for Advance Premium Tax Credits that can reduce monthly premiums below the published starting prices.
Enhanced federal subsidies extend eligibility beyond 400 percent of the federal poverty level, meaning middle-income Orange County residents should verify their subsidy status before assuming they owe full price.
Some qualifying Orange County residents may be eligible for a zero-dollar premium Silver plan after tax credits are applied, making comprehensive coverage available at no monthly cost.
Blue Cross NC is the sole carrier offering ACA Marketplace health insurance plans in Orange County for 2026, with 16 total plans available to individuals and families. These plans are organized across two networks, Blue Advantage and Blue Home with UNC Health Alliance, giving residents a choice between a broad PPO structure and a tightly integrated HMO tied to the UNC Health system. Blue Home with UNC Health Alliance connects enrollees directly to UNC Hospitals at 101 Manning Drive in Chapel Hill, UNC Medical Center, and the full network of affiliated UNC Health Care clinics and specialists throughout Orange County. Blue Advantage, available exclusively off the Marketplace, offers a wider national PPO network for residents who want flexibility to access providers beyond the UNC Health Alliance system, including Duke University Hospital. Health Plans of NC compares every available Blue Cross NC plan side-by-side at no cost, helping Orange County residents find the right network and benefit level for their specific healthcare needs.
Blue Cross NC, offering all 16 ACA Marketplace plans in Orange County for 2026, including HMO plans through Blue Home with UNC Health Alliance and PPO plans through Blue Advantage (off Marketplace only).
North Carolina expanded Medicaid in December 2023, opening eligibility to adults earning up to 138 percent of the federal poverty level and making low-cost or no-cost coverage available to many more Orange County residents than before expansion. Currently, 6.6 percent of Orange County residents, approximately 10,000 people, remain uninsured, and a significant share of them may now qualify for Medicaid or a subsidized Marketplace plan without realizing it. Children in families earning up to 210 percent of the federal poverty level may qualify for NC Health Choice, the state's CHIP program, which provides comprehensive pediatric coverage at little or no cost. With 12.4 percent of Orange County residents living in poverty, many households across Chapel Hill, Hillsborough, and surrounding communities should contact Health Plans of NC for a free eligibility check to confirm whether Medicaid, CHIP, or another program applies to their situation.
Working adults in Orange County who earn at or below 138 percent of the federal poverty level may qualify for full Medicaid coverage following North Carolina's December 2023 expansion.
Children in Orange County families earning up to 210 percent of the federal poverty level may qualify for NC Health Choice, providing comprehensive coverage including dental and vision benefits.
Pregnant women in Orange County may qualify for Medicaid at higher income thresholds than the standard adult limit, covering prenatal, delivery, and postpartum care through UNC Hospitals.
Orange County residents with disabilities or qualifying medical conditions may be eligible for Medicaid regardless of age, depending on their functional and financial circumstances.
Approximately 12.4 percent of Orange County residents live in poverty, meaning thousands of households may qualify for Medicaid or CHIP and should verify their eligibility with a Health Plans of NC agent at no cost.
Health Plans of NC licensed agents serve Orange County residents at no cost, comparing every available plan side-by-side and guiding you through enrollment from start to finish. Call us today at 800-797-0327 to get a free personalized quote and find the plan that fits your health 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 Orange 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 |
|---|---|---|
Chatham Hospital | 475 Progress Blvd, Siler City, NC 27344 | (919) 799-4000 |
Cone Health Alamance Regl Med | 1240 Huffman Mill Rd, Burlington, NC 27215 | (336) 538-7000 |
Cone Health Annie Penn Hosp | 618 S Main St, Reidsville, NC 27320 | (336) 951-4000 |
Cone Health Behavioral Health | 700 Walter Reed Dr, Greensboro, NC 27403 | (336) 832-9700 |
Cone Health Medcenter High Pnt | 2630 Willard Dairy Rd, High Point, NC 27265 | (336) 884-3777 |
Cone Health Moses Cone Hosp | 1121 N Church St, Greensboro, NC 27401 | (336) 832-7000 |
Cone Health Wesley Long Hosp | 2400 W Friendly Ave, Greensboro, NC 27403 | (336) 832-1000 |
Cone Health Women's-Children's | 1121 N Church St, Greensboro, NC 27401 | (336) 832-6500 |
Duke Children's Hosp & Health | 2301 Erwin Rd, Durham, NC 27705 | (919) 668-4000 |
Duke Regional Hospital | 3643 N Roxboro St, Durham, NC 27704 | (919) 470-4000 |
Duke University Hospital | 2301 Erwin Rd, Durham, NC 27705 | (919) 684-8111 |
Durham VA Medical Ctr | 508 Fulton St, Durham, NC 27705 | (919) 286-0411 |
High Point Medical Ctr | 601 N Elm St, High Point, NC 27262 | (336) 878-6000 |
Kindred Healthcare | 2401 S Side Blvd, Greensboro, NC 27406 | (336) 604-2300 |
Lenox Baker Children's Hosp | 3000 Erwin Rd, Durham, NC 27705 | (919) 684-6669 |
North Carolina Specialty Hosp | 3916 Ben Franklin Blvd, Durham, NC 27704 | (919) 956-9300 |
Person Memorial Hospital | 615 Ridge Rd, Roxboro, NC 27573 | (336) 599-2121 |
Randolph Health | 364 White Oak St, Asheboro, NC 27203 | (336) 625-5151 |
Randolph Hospital | 364 White Oak St, Asheboro, NC 27203 | (336) 625-5151 |
Select Specialty Hosp-Durham | 3643 N Roxboro St # 6, Durham, NC 27704 | (984) 569-4040 |
Select Specialty Hosp-Grnsbr | 1200 N Elm St # 5, Greensboro, NC 27401 | (336) 832-5700 |
UNC Hospitals | 101 Manning Dr, Chapel Hill, NC 27514 | (984) 974-1000 |
UNC Rockingham Health Care | 117 E Kings Hwy, Eden, NC 27288 | (336) 623-9711 |
Clinic | Address | Phone |
|---|---|---|
Alamance Ear Nose & Throat LLP | 4030 Oaks Professional Pkwy # 201, Burlington, NC 27215 | (336) 226-0660 |
Alamance Regional Medical Ctr | 1240 Huffman Mill Rd, Burlington, NC 27215 | (336) 538-7000 |
Alamance Regional Pain Clinic | 1236 Huffman Mill Rd # 2000, Burlington, NC 27215 | (336) 538-7180 |
Bethany Medical At North Main | 819 N Main St # 112, High Point, NC 27262 | (336) 289-2299 |
Bethany Medical At South Main | 2805 S Main St, High Point, NC 27263 | (336) 289-2727 |
Bethany Medical Ctr | 3604 Peters Ct, High Point, NC 27265 | (336) 883-0029 |
Bethany Medical Ctr | 3801 W Market St, Greensboro, NC 27407 | (336) 883-0029 |
Bethany Medical Ctr | 507 N Lindsay St, High Point, NC 27262 | (336) 883-0029 |
Central Carolina Health Ntwrk | 1 Centerview Dr # 202, Greensboro, NC 27407 | (336) 292-0665 |
Chapel Hill Obstetrics-Gynclgy | 6216 Fayetteville Rd, Durham, NC 27713 | (919) 942-8571 |
Clinical Choice | 7300 Cessna Dr, Greensboro, NC 27409 | (336) 550-4180 |
Cone Health Covid-19 Testing | 1238 Huffman Mill Rd, Burlington, NC 27215 | (336) 890-1140 |
Cone Health Covid-19 Testing | 1830 Lendew St, Greensboro, NC 27408 | (336) 890-1140 |
Cone Health Covid-19 Testing | 2363 Corporation Pkwy, Burlington, NC 27215 | (336) 890-1140 |
Cone Health Covid-19 Testing | 525 Maple Ave, Reidsville, NC 27320 | (336) 890-1140 |
Cone Health Covid-19 Testing | 617 S Main St, Reidsville, NC 27320 | (336) 890-1140 |
Cone Health Ctr For Maternal | 930 3rd St # 200, Greensboro, NC 27405 | (336) 890-3255 |
Cone Health Mebane Physical | 102 Medical Park Dr, Mebane, NC 27302 | (919) 304-5060 |
Cone Health Medcenter Mebane | 3940 Arrowhead Blvd # 110, Mebane, NC 27302 | (919) 568-7300 |
Cone Health Outpatient Rehab | 618 S Main St Inside Annie Pen, Reidsville, NC 27320 | (336) 951-4000 |
Cone Health Sleep Disorders | 509 N Elam Ave # 300-D, Greensboro, NC 27403 | (336) 832-0410 |
Cone Health Women's-Children's | 1121 N Church Street Entrance, Greensboro, NC 27401 | (336) 832-6500 |
Duke Cancer Ctr Acute Care | 20 Duke Medicine Cir, Durham, NC 27710 | (919) 668-6608 |
Duke Cancer Ctr Radiation | 20 Duke Medicine Cir, Durham, NC 27710 | (919) 660-2100 |
Duke Children's Health Ctr | 2301 Erwin Rd # 34ththfloor, Durham, NC 27705 | (919) 613-7777 |
Duke Health | 234 Crooked Creek Pkwy # 500, Durham, NC 27713 | (919) 684-3834 |
Duke Pediatric Dermatology | 5324 Mcfarland Rd # 410, Durham, NC 27707 | (919) 684-3432 |
Duke University Med Ctr Gen | , Durham, NC 27701 | (919) 684-2410 |
Duke University Med Ctr Gen | , Durham, NC 27710 | (919) 681-4722 |
Duke University Med Ctr Gen | PO Box 90950, Durham, NC 27708 | (919) 681-2020 |
Duke Wound Mgmt Clinic-Clinic | 40 Duke Medicine Cir, Durham, NC 27710 | (919) 684-3432 |
Health Center Of Hillsborough | 401 Meadowlands Dr # 101, Hillsborough, NC 27278 | (919) 241-5032 |
Lebauer Healthcare At Green | 709 Green Valley Rd, Greensboro, NC 27408 | (336) 547-1792 |
Lebauer Healthcare Grandover | 4023 Guilford College Rd, Greensboro, NC 27407 | (336) 890-2040 |
Lebauer Primary Care At Elam | 520 N Elam Ave, Greensboro, NC 27403 | (336) 547-1792 |
Renaissance Family Medicine | 2525c Phillips Ave, Greensboro, NC 27405 | (336) 832-7711 |
Sleep Disorders Ctr At | 1248 Huffman Mill Rd # 101, Burlington, NC 27215 | (866) 937-6692 |
UNC At Chapel Hill Medical Ctr | Cb 7010, Chapel Hill, NC 27599 | (919) 966-5136 |
UNC Hospitals Lab Hillsborough | 460 Waterstone Dr # Firstfloor, Hillsborough, NC 27278 | (919) 595-5970 |
UNC Hospitals Multispecialty | 101 Manning Dr # Firstfloor, Chapel Hill, NC 27514 | (984) 974-0150 |
University-NC-Health Care | 100 Sprunt St, Chapel Hill, NC 27517 | (919) 966-5500 |
Orange County ZIP Codes include: 27231, 27243, 27278, 27510, 27514, 27515, 27516, 27517, and 27599
