Find Your Most Affordable Health Insurance Plan in Richmond County
in North Carolina
Richmond 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 Richmond County, NC with Health Plans of NC. Health Plans of NC helps residents of Richmond County, North Carolina find affordable health insurance coverage, working with local employers like Perdue Farms and health systems like FirstHealth of the Carolinas to connect families with plans that fit their needs and budgets.
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 |
Richmond County, home to approximately 42,818 residents with a population growth rate of -0.3 percent and a foreign-born resident share of 3.7 percent, has access to a broad range of health insurance options spanning ACA Marketplace plans, Medicaid, employer-sponsored coverage, and more. Major local employers including Richmond County Schools, Perdue Farms, FirstHealth of the Carolinas, the County of Richmond, and Richmond Community College provide employer-sponsored coverage to a significant portion of the workforce, while FirstHealth Richmond Memorial Hospital anchors the local healthcare delivery system. Health Plans of NC helps residents across Rockingham, Hamlet, and Ellerbe evaluate every available coverage pathway at no cost.
ACA Marketplace plans are available to Richmond County residents who do not have access to affordable employer-sponsored coverage through employers like Richmond County Schools or Perdue Farms.
Medicaid coverage is available to qualifying low-income Richmond County adults and families, with eligibility determinations supported by Health Plans of NC agents familiar with local circumstances.
Employer-sponsored health insurance is offered by major Richmond County employers including Perdue Farms, the County of Richmond, and FirstHealth of the Carolinas for eligible employees and their dependents.
Short-term health plans may serve Richmond County residents experiencing a gap in coverage between jobs at local employers such as Richmond Community College or Perdue Farms.
COBRA continuation coverage allows Richmond County residents who lose employer-sponsored insurance through local employers to maintain their existing plan temporarily while they evaluate other options.
Small business SHOP Marketplace plans are available to small Richmond County employers, including locally owned businesses in Rockingham and Hamlet, that want to offer group health benefits to their employees.
For 2026, Richmond County residents have access to 14 individual and family plans through Blue Cross NC, offered across two plan networks including Blue Advantage and Blue Care, both structured as PPO plans that allow enrollees to access a wide range of in-network providers. Blue Advantage connects Richmond County residents to the largest nationwide PPO network, while Blue Care offers a broad statewide PPO network, both providing access to local facilities such as FirstHealth Richmond Memorial Hospital in Rockingham and Scotland Memorial Hospital in nearby Laurinburg. Health Plans of NC licensed agents help residents compare every available plan side by side at no cost, ensuring the right network and benefit level is matched to each household's healthcare needs.
Blue Advantage, a PPO plan network, includes over 95 percent of North Carolina doctors in-network and connects Richmond County residents to FirstHealth Richmond Memorial Hospital in Rockingham and regional facilities like Cape Fear Valley Medical Center in Fayetteville.
Blue Care, also a PPO plan network, covers over 92 percent of North Carolina doctors in-network and provides Richmond County residents with access to Scotland Memorial Hospital in Laurinburg and First Health Montgomery Memorial in Troy.
Both Blue Advantage and Blue Care PPO networks allow Richmond County residents to seek care from specialists and facilities across the broader region, including First Health Moore Regional Hospital in Pinehurst, without requiring a referral.
Catastrophic plan options are available to Richmond County residents under age 30 or those qualifying for a hardship exemption, offered within the Blue Cross NC network structure for 2026.
Bronze, Silver, and Gold metal tier plans are available across both the Blue Advantage and Blue Care networks, giving Richmond County households the ability to choose the benefit level that best matches their expected healthcare use.
Health Plans of NC agents compare Blue Advantage and Blue Care plans side by side for Richmond County residents in zip codes such as 28379 and 28345, ensuring every enrollee understands their network options before selecting a plan.
Bronze plans in Richmond County start at approximately $401.70/month before subsidies. With a median household income of $43,626, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Richmond County start at $401.70 per month for a 35-year-old before tax credits, offering the lowest premiums with higher deductibles for those who want minimal monthly costs.
Silver plans start at $516.45 per month for a 35-year-old before tax credits and are the only metal tier eligible for cost-sharing reductions, which can lower deductibles and copays for qualifying Richmond County households.
Gold plans start at $533.89 per month for a 35-year-old before tax credits, providing lower out-of-pocket costs at the time of care in exchange for higher monthly premiums.
Richmond County residents earning between 100 and 400 percent of the federal poverty level qualify for Advance Premium Tax Credits that can reduce monthly Marketplace premiums by hundreds of dollars, with the county's $43,626 median household income placing many families squarely in the subsidy-eligible range.
Some lower-income Richmond County households may qualify for $0-premium Silver plans through enhanced subsidies, receiving richer benefits than a Bronze plan at no monthly premium cost after credits are applied.
Health Savings Accounts can be paired with eligible high-deductible Bronze plans to help self-employed Richmond County residents or workers at smaller local employers build tax-advantaged savings for future medical expenses.
Blue Cross NC is the sole ACA Marketplace carrier offering individual and family health insurance plans in Richmond County for 2026, with a total of 14 plans available across multiple metal tiers and coverage levels. These plans are offered through two PPO network options, Blue Advantage and Blue Care, each providing Richmond County residents with broad access to physicians, specialists, and hospitals across North Carolina. Blue Advantage connects enrollees to the largest nationwide PPO network, covering more than 95 percent of North Carolina doctors, while Blue Care offers a broad statewide PPO network covering more than 92 percent of North Carolina physicians, both including local facilities such as FirstHealth Richmond Memorial Hospital. The choice between Blue Advantage and Blue Care affects which out-of-state providers are accessible at in-network rates, an important consideration for Richmond County residents who may seek specialized care beyond the region. Health Plans of NC licensed agents compare every Blue Cross NC plan side by side at no cost to help Richmond County residents select the network and benefit design that best matches their healthcare needs and provider preferences.
Blue Cross NC, offering PPO plans across the Blue Advantage and Blue Care networks, with 14 individual and family plans available in Richmond County for 2026.
North Carolina expanded Medicaid in December 2023, extending free or low-cost comprehensive coverage to adults earning up to 138 percent of the federal poverty level, a threshold that makes a significant portion of Richmond County residents potentially eligible. Richmond County currently has an uninsured rate of 9.5 percent, representing approximately 4,000 residents, many of whom may qualify for Medicaid or other low-cost coverage options they have not yet accessed. 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 affordable pediatric coverage to thousands of Richmond County families. Health Plans of NC offers free eligibility checks and enrollment assistance so that uninsured Richmond County residents can determine their Medicaid or CHIP status quickly and at no cost.
Working adults in Richmond County who are employed part-time or in lower-wage jobs and earn at or below 138 percent of the federal poverty level may qualify for expanded Medicaid at little or no cost.
Children in Richmond County families are eligible for NC Health Choice (CHIP) if household income falls at or below 210 percent of the federal poverty level, covering routine and preventive pediatric care.
Pregnant women in Richmond County may qualify for Medicaid coverage with an income threshold higher than the standard adult limit, ensuring prenatal and delivery care is accessible for low-income mothers.
Richmond County's poverty rate of 25.2 percent means that a substantial share of the county's population may meet income-based eligibility criteria for Medicaid, CHIP, or subsidized Marketplace plans.
Seniors and adults with disabilities in Richmond County with limited income and resources may qualify for dual Medicaid and Medicare coverage, helping to eliminate gaps in care not covered by Medicare alone.
Health Plans of NC licensed agents serve Richmond County residents at no cost, comparing every available plan side by side and providing personalized guidance through the entire enrollment process. Call 800-797-0327 today to speak with an agent who understands the Richmond County market and can help you find the coverage that fits your budget and healthcare needs.
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 Richmond 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 |
|---|---|---|
Atrium Health Anson | 2301 US Highway 74 W, Wadesboro, NC 28170 | (704) 994-4500 |
Betsy Johnson Hospital | 800 Tilghman Dr, Dunn, NC 28334 | (910) 892-1000 |
Cape Fear Valley Medical Ctr | 1638 Owen Dr, Fayetteville, NC 28304 | (910) 615-4000 |
Central Carolina Hospital | 1135 Carthage St, Sanford, NC 27330 | (919) 774-2100 |
Central Harnett Hospital | 215 Brightwater Dr, Lillington, NC 27546 | (910) 892-1000 |
Fayetteville VA Hosp Med Ctr | 2300 Ramsey St, Fayetteville, NC 28301 | (910) 488-2120 |
First Health Montgomery Meml | 520 Allen St, Troy, NC 27371 | (910) 571-5000 |
First Health Moore Regl Hosp-Hk | 6408 Fayetteville Rd, Raeford, NC 28376 | (910) 878-6000 |
First Health Moore Regl Hosp | 155 Memorial Dr, Pinehurst, NC 28374 | (910) 715-1000 |
First HealthMoore Regl Hosp | 925 S Long Dr, Rockingham, NC 28379 | (910) 417-3000 |
Highsmith-Rainey Spec Hosp | 150 Robeson St, Fayetteville, NC 28301 | (910) 615-1000 |
Hoke Hospital | 210 Medical Pavilion Dr, Raeford, NC 28376 | (910) 904-8000 |
Scotland Memorial Hospital | 500 Lauchwood Dr, Laurinburg, NC 28352 | (910) 291-7000 |
Womack Army Medical Ctr | 2817 Reilly St, Fort Bragg, NC 28310 | (910) 907-6000 |
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 |
Richmond County ZIP Codes include: 28330, 28338, 28345, 28347, 28363, 28367, 28379, and 28380
