Find Your Most Affordable Health Insurance Plan in Pamlico County
in North Carolina
Pamlico County residents can compare 14 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 Pamlico County, NC with Health Plans of NC. Health Plans of NC helps Pamlico County residents find affordable, comprehensive health coverage through Blue Cross NC, serving families, retirees, and employees of local organizations like Pamlico County Schools across zip codes 28508, 28509, 28510, 28560, and 28571.
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 |
Pamlico County is home to 12,315 residents, a community that has grown 0.3% since 2020 and includes 2.8% foreign-born residents who, alongside longtime locals, need reliable access to health coverage. Workers at major local employers such as the YMCA of Pamlico County, DebrTech, Pamlico County Schools, County of Pamlico, and Walmart have several pathways to coverage, ranging from ACA Marketplace plans to employer-sponsored benefits. CarolinaEast Medical Center anchors the regional health system serving Pamlico County residents, making it important to choose a plan that keeps that facility within your network.
ACA Marketplace plans through Blue Cross NC are available to Pamlico County residents who do not have access to qualifying employer-sponsored coverage, including self-employed workers and independent contractors in the area.
Medicaid coverage is available to qualifying low-income Pamlico County adults and families following North Carolina's Medicaid expansion, offering comprehensive benefits at little or no cost.
Employer-sponsored health insurance is a common coverage pathway for employees at Pamlico County Schools, County of Pamlico, and other established local employers who offer group health benefits.
Short-term health plans may serve Pamlico County residents in coverage gaps, such as those between jobs at DebrTech or Walmart, though these plans carry important limitations compared to ACA-compliant options.
COBRA continuation coverage allows Pamlico County workers who leave jobs at local employers to temporarily maintain their existing group health plan while transitioning to a new employer or marketplace plan.
Small business SHOP Marketplace plans allow small employers in Pamlico County, including local businesses and nonprofits like the YMCA of Pamlico County, to offer group health coverage to their employees through ACA-compliant options.
For 2026, Pamlico County residents can choose from plans under two Blue Cross NC networks, Blue Advantage and Blue Care, both of which connect policyholders to key regional facilities including CarolinaEast Medical Center in New Bern, ECU Health Medical Center in Greenville, ECU Health Beaufort Hospital in Washington, and Carteret Health Care in Morehead City. Blue Advantage is structured as a PPO with the largest nationwide network, covering 95% or more of North Carolina doctors in-network, while Blue Care is also a PPO with broad statewide reach, covering 92% or more of NC doctors. The plan network you choose directly determines which hospitals, specialty clinics, and primary care providers you can access at in-network cost-sharing levels, making network review an essential step before enrolling.
Blue Advantage, a PPO network, includes 95% or more of North Carolina doctors in-network and connects Pamlico County residents to CarolinaEast Medical Center and major Greenville-based facilities like ECU Health Medical Center.
Blue Care, a PPO network, covers 92% or more of NC doctors and provides broad statewide access for Pamlico County residents who need care at ECU Health Beaufort Hospital in Washington or Carteret Health Care in Morehead City.
Both Blue Advantage and Blue Care PPO networks allow Pamlico County residents to access specialty care at East Carolina Heart Institute in Greenville without needing a referral from a primary care provider.
Blue Advantage's nationwide PPO reach is especially valuable for Pamlico County residents who travel frequently or need access to out-of-state specialists beyond the eastern North Carolina regional network.
Blue Care's statewide PPO structure suits Pamlico County residents who primarily seek care at regional facilities close to home, such as CarolinaEast Medical Center in nearby New Bern.
Health Plans of NC agents can walk Pamlico County residents through a detailed side-by-side comparison of Blue Advantage and Blue Care to match the right network to their specific doctors and facility preferences.
Bronze plans in Pamlico County start at approximately $401.70/month before subsidies. With a median household income of $61,624, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Pamlico County start at $401.70 per month for a 35-year-old, offering the lowest monthly premiums paired with higher deductibles and out-of-pocket costs before coverage kicks in.
Silver plans start at $516.45 per month and are the only tier eligible for cost-sharing reductions, which lower deductibles and copays for qualifying Pamlico County residents with incomes between 100% and 250% of the federal poverty level.
Gold plans start at $533.89 per month and provide lower out-of-pocket costs at the point of care, making them a strong fit for Pamlico County residents who use medical services frequently throughout the year.
Pamlico County households earning between 100% and 400% of the federal poverty level qualify for premium tax credits that can significantly reduce monthly marketplace plan premiums below the published starting rates.
Some qualifying Pamlico County residents with lower incomes may be eligible for a Silver plan with a reduced premium approaching zero dollars per month after advanced premium tax credits are applied.
Pairing a higher-deductible Bronze plan with a Health Savings Account is a cost-effective strategy for healthy Pamlico County residents who want lower monthly premiums and a tax-advantaged way to cover out-of-pocket expenses.
For 2026, Blue Cross NC is the sole ACA Marketplace carrier offering health insurance plans in Pamlico County, with 14 total plans available to county residents. Those 14 plans span two PPO networks, Blue Advantage and Blue Care, giving residents a choice between the largest nationwide provider network and a broad statewide network. Blue Advantage connects Pamlico County policyholders to an extensive list of in-network hospitals and specialists across North Carolina and the country, while Blue Care focuses its strong statewide PPO network on regional facilities throughout eastern North Carolina. The network you select will determine your in-network access to key facilities like CarolinaEast Medical Center in New Bern, ECU Health Medical Center in Greenville, and ECU Health Beaufort Hospital in Washington, so reviewing network details before enrolling is essential. Health Plans of NC licensed agents compare every available Blue Cross NC plan side-by-side at no cost, helping Pamlico County residents identify the right combination of network, coverage level, and monthly premium for their household.
Blue Cross NC, PPO plans under Blue Advantage and Blue Care networks, 14 total plans available to Pamlico County residents for 2026.
North Carolina expanded Medicaid in December 2023, and Pamlico County residents earning up to 138% of the federal poverty level may now qualify for free or very low-cost comprehensive coverage through the expanded program. With an uninsured rate of 8.6% in Pamlico County, representing approximately 1,000 residents currently without coverage, Medicaid expansion has created a meaningful new pathway to insurance for many local adults who previously fell through coverage gaps. Children in Pamlico County families earning up to 210% of the federal poverty level may qualify for NC Health Choice, the state's CHIP program, which provides low-cost or no-cost coverage for pediatric care. Health Plans of NC offers free eligibility checks for both Medicaid and CHIP, helping Pamlico County residents determine their options quickly and enroll in the coverage they qualify for.
Working adults in Pamlico County with low to moderate incomes who lack access to affordable employer-sponsored coverage may qualify for Medicaid under North Carolina's expansion program.
Children in Pamlico County whose families earn too much for full Medicaid but still have limited budgets may qualify for NC Health Choice, the state's CHIP program, at little or no cost.
Pregnant women in Pamlico County are eligible for Medicaid coverage with expanded income thresholds, ensuring access to prenatal, delivery, and postpartum care at regional facilities.
Pamlico County seniors with low incomes may qualify for dual coverage through both Medicare and Medicaid, reducing or eliminating out-of-pocket costs for medical and prescription services.
With a poverty rate of 12.4% in Pamlico County, a significant share of residents may qualify for Medicaid or heavily subsidized marketplace plans, and Health Plans of NC can help identify the right program at no cost.
Health Plans of NC licensed agents serve Pamlico County residents at no cost, comparing every available plan side-by-side to find the right coverage for your health needs and budget. Call 800-797-0327 today to get personalized guidance and complete your enrollment with a local expert who understands the Pamlico County market.
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 Pamlico 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 |
|---|---|---|
Carolina East Medical Ctr | 2000 Neuse Blvd, New Bern, NC 28560 | (252) 633-8111 |
Carteret Health Care | 3500 Arendell St, Morehead City, NC 28557 | (252) 499-6000 |
Cherry Hospital | 1401 W Ash St, Goldsboro, NC 27530 | (919) 947-7000 |
ECU Health Beaufort Hosp A | 628 E 12th St, Washington, NC 27889 | (252) 975-4100 |
ECU Health Maynard Children's | 2102 Stantonsburg Rd, Greenville, NC 27834 | (252) 816-3714 |
ECU Health Medical Ctr | 2100 Stantonsburg Rd, Greenville, NC 27834 | (252) 847-4100 |
UNC Lenoir Health Care | 100 Airport Rd, Kinston, NC 28501 | (252) 522-7000 |
Walter B Jones Alcohol & Drug | 2577 W 5th St, Greenville, NC 27834 | (252) 830-3426 |
Wayne MEMORIAL Hospital | 2605 Medical Office Pl, Goldsboro, NC 27534 | (919) 731-6112 |
Wayne UNC Health Care | 2700 Wayne Memorial Dr, Goldsboro, NC 27534 | (919) 736-1110 |
Clinic | Address | Phone |
|---|---|---|
Abhishek K Mishra MD | 701 Doctors Dr, Kinston, NC 28501 | (252) 559-2200 |
Acupuncture Of Eastern NC | 1425 S Glenburnie Rd # 6, New Bern, NC 28562 | (252) 665-3294 |
Audit-Tel | , Greenville, NC 27858 | (252) 353-3331 |
Cape Carteret Family Medicine | 1057d Cedar Point Blvd # D, Cedar Point, NC 28584 | (252) 764-2121 |
Community Care Plan-Eastern | 521 Moye Blvd # C, Greenville, NC 27834 | (252) 816-0830 |
East Carolina Heart Inst | 526 Moye Blvd, Greenville, NC 27834 | (252) 847-5755 |
East Carolina Univ Family Med | 101 Heart Dr, Greenville, NC 27834 | (252) 744-4611 |
East Coast Onsite Medical Care | 505 Greenville Blvd SE, Greenville, NC 27858 | (252) 754-2273 |
Ecu Department-Family Medicine | 101 Heart Dr, Greenville, NC 27834 | (252) 744-2607 |
ECU Health Bover Hospital | 1209 Brown St, Washington, NC 27889 | (252) 975-4308 |
ECU Health Family Medicine-LA | 101 S Carey St, La Grange, NC 28551 | (252) 566-4021 |
ECU Health Gamma Knife Ctr | 2100 Stantonsburg Rd, Greenville, NC 27834 | (252) 847-2611 |
ECU Health Gastroenterology | 521 Moye Blvd # C, Greenville, NC 27834 | (252) 816-0800 |
ECU Health Heart-Vascular Care | 701 Doctors Dr # B, Kinston, NC 28501 | (252) 559-2200 |
ECU Health Sleep Ctr-Grnvll | 4 Doctors Park Medical Dr, Greenville, NC 27834 | (252) 847-7500 |
Goshen Medical Ctr-Fremont | 109 S Sycamore St, Fremont, NC 27830 | (919) 242-4382 |
Goshen Medical Ctr | 2001 Neuse Blvd, New Bern, NC 28560 | (910) 219-1082 |
Goshen Medical Ctr | 325 N Carolina Highway 55, Mount Olive, NC 28365 | (919) 658-5900 |
Healthfirst Medical Ctr Inc | 1201 Carolina Ave, Washington, NC 27889 | (252) 833-0365 |
Lindsey Roberson FNP | 701 Doctors Dr, Kinston, NC 28501 | (252) 559-2200 |
Med Center 1 | 1688 E Arlington Blvd, Greenville, NC 27858 | (252) 353-1464 |
Miracles In Sight | 620 Red Banks Rd, Greenville, NC 27858 | (252) 751-0785 |
Snow Hill Medical Ctr | 1106 Kingold Blvd, Snow Hill, NC 28580 | (252) 747-2921 |
UNC Family Medicine At Rswd | 2600 US Highway 70 W, Goldsboro, NC 27530 | (919) 739-4808 |
Vidant Medical Ctr | 3900 E 10th St, Greenville, NC 27858 | (252) 847-4325 |
Vidant Outpatient Rehab | 2310 Stantonsburg Rd, Greenville, NC 27834 | (252) 847-6603 |
Vitality Health & Wellness | 1429 E Fire Tower Rd # 104, Greenville, NC 27858 | (252) 364-2802 |
Westcare Innovative Healthcare | 2710 Beddard Rd, Grimesland, NC 27837 | (252) 754-0920 |
Pamlico County ZIP Codes include: 28509, 28510, 28515, 28529, 28537, 28552, 28556, 28571, 28583, and 28587
