Find Your Most Affordable Health Insurance Plan in Robeson County
in North Carolina
Nationwide (BlueCard®)
Blue Advantage is a PPO health plan from Blue Cross and Blue Shield of North Carolina (Blue Cross NC) offering the company's largest nationwide network of doctors, specialists, and hospitals. More than 95% of North Carolina doctors and 98% of North Carolina hospitals are in-network, and coverage travels with you nationwide through the BlueCard® program, which is accepted in nearly 200 countries and territories worldwide.
Because it's a PPO, Blue Advantage gives you the fewest restrictions on which doctors you can see: no referrals to see a specialist, and out-of-network care is still covered (at a lower benefit level). It typically carries a higher premium than Blue Cross NC's in-state-only plans, so it's the plan we recommend when provider choice and nationwide access matter more than getting the lowest possible premium.
Blue Advantage is built for people who want the fewest restrictions on which doctors they can see. It's a strong fit if you travel frequently for work or split time between two states, have an established specialist relationship you don't want to disrupt, want emergency care covered at the in-network rate anywhere in the world, or simply value provider choice over the lowest possible monthly premium.
It's a weaker fit if you rarely leave North Carolina and don't need nationwide access. In that case, Blue Care offers nearly identical in-state provider access at a lower premium, and one of the regional Blue Home plans may lower your premium even further if your doctors belong to a single health system.
Nationwide network – Nationwide (BlueCard®)
Network: Anywhere in the U.S. and abroad2; 95%+ of NC doctors.1
Out-of-area care: Covered (lower benefit level).
Offered in Bronze, Silver, and Gold tiers.
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 in all North Carolina counties, except the following where it is available only off Marketplace: Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Orange, Person, and Wake.
Blue Advantage is a PPO, which means you don't need a referral to see a specialist, and you're never limited to a single network — you're just paying more if you step outside it. If you see an in-network provider, you get the plan's full benefit level. If you see someone out-of-network, the plan still pays, just at a reduced benefit level, and you're responsible for the difference.
Because Blue Cross NC has more than 95% of North Carolina doctors and 98% of North Carolina hospitals in-network, most members rarely need to use that out-of-network benefit — but it's there if your situation calls for it.
Blue Advantage is the only Blue Cross NC individual plan built for people who leave the state. Through the BlueCard® program, your in-network benefits travel with you anywhere in the U.S. — so if you split time between two states, have kids away at college, or travel for work, you're not stuck finding a new plan or a new doctor.
Emergency care is covered at the in-network rate worldwide, including in nearly 200 countries and territories through BlueCard Worldwide®.
Blue Advantage typically carries a higher premium than Blue Cross NC's in-state-only plans like Blue Care or the regional Blue Home plans. That's the trade-off for the broadest network and out-of-network safety net Blue Cross NC offers. Like every Blue Cross NC ACA plan, it's available in Bronze, Silver, and Gold tiers, and most applicants qualify for a premium tax credit that lowers the monthly cost based on income and household size.
If nationwide access isn't something you need, it's worth comparing Blue Advantage against Blue Care or a Blue Home plan first — you may get nearly identical in-state coverage for meaningfully less.
You can enroll during the annual Open Enrollment Period (November 1 – January 15) or during a Special Enrollment Period if you've had a qualifying life event — a job change, a move, a new dependent, or losing other coverage.
A licensed Health Plans of NC agent can confirm your specific doctors are in-network, check what subsidy you qualify for, and compare Blue Advantage against the other six Blue Cross NC plans with you — at no cost. Call 800-797-0327.
Blue Advantage is a PPO (Preferred Provider Organization) plan. That means you can see out-of-network providers — you’ll just pay more — and you generally don’t need a referral to see a specialist. It’s the most flexible network Blue Cross NC offers.
Yes. Blue Advantage includes nationwide in-network access through the BlueCard® program, and emergency care is always covered at the in-network benefit level no matter where you are — including in nearly 200 countries and territories worldwide.
Yes, Blue Advantage is available in all 100 North Carolina counties. In 25 of them it’s available off-Marketplace only, meaning you’d enroll directly (through an agent or Blue Cross NC) rather than through HealthCare.gov. A Health Plans of NC agent can handle either path for you.
Both give you nearly the same broad in-state network (about 95% of NC doctors), but Blue Advantage is a PPO that adds nationwide out-of-network coverage, while Blue Care is an HMO limited to North Carolina with no out-of-network benefit except emergencies. Blue Advantage costs a bit more for that added flexibility.
Our recommendation: choose Blue Advantage if you travel, split time between states, or want maximum provider choice; choose Blue Care if you stay in NC and want to save on premium.
Statewide NC network
Blue Care is an HMO health plan from Blue Cross NC that offers the company's largest in-state network — more than 95% of North Carolina doctors and 98% of NC hospitals in-network — at a lower monthly premium than the nationwide Blue Advantage PPO.
The trade-off for that lower premium is that Blue Care keeps your care inside North Carolina: outside of urgent and emergency situations, only in-network NC providers are covered, and there's no out-of-network benefit. For NC residents who rarely travel, Blue Care delivers almost the same broad provider choice as Blue Advantage for less money — which is why we often recommend it as the best-value option for people who stay in-state.
Blue Care fits residents who live and receive their care entirely within North Carolina, want broad in-state provider choice without paying for nationwide coverage they won't use, and are comfortable with no out-of-network benefit outside of emergencies.
It's a poor fit if you split time between states, have kids at out-of-state college, or travel frequently for work — non-emergency care outside North Carolina isn't covered. If that's you, Blue Advantage is the better choice.
Statewide network – Statewide NC network
Network: North Carolina only. A large network, with more than 95% of North Carolina doctors and 98% of North Carolina hospitals in-network.
Out-of-area care: Emergency / urgent only.
Offered in Bronze, Silver, and Gold tiers.
Blue Care is available in all North Carolina counties, except: Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Orange, Person, and Wake.
Blue Care is an HMO built on Blue Cross NC's largest in-state network — more than 95% of North Carolina doctors and 98% of NC hospitals in-network. It's priced lower than the nationwide Blue Advantage PPO because it trades nationwide access for coverage that stays inside North Carolina.
Outside of emergency and urgent care, only in-network NC providers are covered — there's no out-of-network benefit to fall back on, so it's worth confirming your specific doctors participate before you enroll.
Blue Care is sold in every NC county except Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Orange, Person, and Wake — those counties fall inside the Triangle-area service area for the Blue Home with UNC Health Alliance plan instead. If you live in one of the excluded counties, Blue Care isn't available to you regardless of which providers you use.
Because the in-state network is nearly as broad as Blue Advantage's, most Blue Care members never notice a difference in provider choice day to day — the difference only shows up if you need care outside North Carolina.
Blue Care's premium runs lower than Blue Advantage's specifically because it removes the nationwide and out-of-network safety net. It's offered in Bronze, Silver, and Gold tiers, and most applicants qualify for a premium tax credit that lowers the monthly cost based on income and household size.
You can enroll during the annual Open Enrollment Period (November 1 – January 15) or during a Special Enrollment Period if you've had a qualifying life event — a job change, a move, a new dependent, or losing other coverage.
A licensed Health Plans of NC agent can confirm your doctors are in-network, check your subsidy, and compare Blue Care against Blue Advantage and the regional plans — at no cost. Call 800-797-0327.
Yes. Blue Care is structured as an HMO with a statewide North Carolina network. Outside of urgent and emergency situations, care is only covered when you use in-network NC providers.
Only urgent and emergency care is covered outside your Blue Care network. Routine or non-emergency care while traveling out of state is not covered, so Blue Care is best for people who receive their care in North Carolina.
Blue Care isn’t offered in Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Orange, Person, or Wake counties. In several of those counties, Blue Home with UNC Health Alliance is offered instead.
Every Blue Cross NC individual plan comes in three “metal” tiers that describe how you and the plan split covered costs. Bronze plans have the lowest monthly premium but pay about 60% of covered costs, so you pay roughly 40% when you use care. Silver plans pay about 70% (you pay ~30%), and Gold plans pay about 80% (you pay ~20%) in exchange for a higher premium.
As a rule of thumb: Bronze suits people who rarely use care and want the lowest premium, Gold suits people who use regular or ongoing care, and Silver is the middle ground. Silver is also the only tier that unlocks Cost-Sharing Reductions (CSRs) — extra savings on deductibles and copays if your income qualifies — so many subsidy-eligible shoppers get the best overall value from a Silver plan. A licensed Health Plans of NC agent can run the numbers for your situation at no cost.
The most important step before choosing any plan is confirming your doctors, specialists, and preferred hospitals are in that plan’s network. Networks differ a lot between Blue Cross NC plans — a doctor who is in-network on one plan may be out-of-network, and far more expensive, on another.
You can check each plan’s provider directory on bcbsnc.com, or — the easier route — call a Health Plans of NC agent at 800-797-0327 and we’ll verify your specific providers before you enroll, at no charge.
Most North Carolinians who buy their own coverage qualify for a premium tax credit — a subsidy based on your income and household size that lowers what you pay each month. Subsidy amounts and eligibility rules can change from year to year, so the only way to know your real price is to run a personalized quote.
Health Plans of NC can check your subsidy eligibility and show you the after-subsidy premium for any of these plans for free. Call 800-797-0327 or request a quote online.
You can enroll during the annual Open Enrollment Period, which runs each fall (generally starting November 1) for coverage that begins the following year. Outside that window, you can still enroll if you have a qualifying life event — such as losing other coverage, moving, marriage, or having a baby — which opens a 60-day Special Enrollment Period.
Because enrollment dates and rules can change, it’s worth confirming the current deadline. A Health Plans of NC agent can tell you whether you’re eligible to enroll right now — call 800-797-0327.
Nothing. Health Plans of North Carolina is an independent, authorized agency licensed to sell Blue Cross NC plans, and our help — comparing plans, checking your doctors, estimating subsidies, and enrolling — is completely free to you. Agents are paid by the insurance company, and the plan price is the same whether you enroll with us or on your own.
Call 800-797-0327 to talk with a licensed local agent.
| Carrier | Distinct plans |
|---|---|
| Blue Cross and Blue Shield of NC | 18 |
| Ambetter of North Carolina | 15 |
| UnitedHealthcare | 13 |
| Cigna Healthcare | 10 |
| Total | 56 |
Source: CMS QHP Landscape PY2026, Individual Market Medical, updated August 26, 2026 (data.healthcare.gov). Counts distinct Plan IDs offered on the Marketplace in Robeson County, once per carrier.
in North Carolina
Find affordable health insurance in Robeson County, NC with Health Plans of NC. Health Plans of NC helps residents of Robeson County, NC compare and enroll in health insurance plans at no cost, with local expertise that accounts for the region's major employers like Southeastern Health and Mountaire Farms. Whether you are looking for individual coverage, a family plan, or assistance understanding your options, Health Plans of NC is ready to guide you through every available plan for 2026.
Plan Network | Type | Network Coverage |
|---|---|---|
Blue Advantage | PPO | Largest nationwide network, 95%+ of NC doctors in-network |
Blue Care | HMO | Broad statewide network, 95%+ of NC doctors in-network |
Robeson County is home to 116,858 residents, with a population that has grown 0.3 percent since 2020 and a community where 5.1 percent of residents are foreign-born, reflecting a diverse population with varied coverage needs. Major employers in the county include Mountaire Farms, Robeson County Schools, Southeastern Health, Robeson County, and Walmart, each offering different pathways to coverage depending on employment status and household situation. Residents who do not have access to job-based coverage can explore ACA Marketplace plans, Medicaid, CHIP, or other options to ensure they and their families are protected.
ACA Marketplace coverage is available to Robeson County residents who are not offered qualifying employer-sponsored insurance through workplaces like Mountaire Farms or Robeson County Schools.
Medicaid coverage is accessible to eligible low-income adults and families in Robeson County, including those employed part-time or seasonally at local businesses like Walmart.
Employer-sponsored health insurance is offered by major Robeson County employers such as Southeastern Health and Robeson County Schools, providing group coverage to full-time employees and their dependents.
Short-term health plans may be used as a temporary bridge by Robeson County residents between jobs or waiting for open enrollment periods to begin at employers like Mountaire Farms.
COBRA continuation coverage allows Robeson County residents who lose job-based insurance from employers such as Southeastern Health to maintain their existing plan temporarily while they transition to new coverage.
Small business SHOP Marketplace plans are available to eligible small employers in Robeson County who want to offer group health benefits to their employees and compete with larger local employers for workforce retention.
For 2026, Robeson County residents can choose from 18 plans offered through Blue Cross NC across two plan networks, Blue Advantage and Blue Care, giving local families and individuals meaningful options in how they access care. The Blue Advantage network is a PPO structure covering more than 95 percent of North Carolina doctors and connects residents to key facilities like Southeastern Regional Medical Center at 300 W 27th St in Lumberton and UNC Health Southeastern at 4300 Fayetteville Rd. The Blue Care network is an HMO, covering more than 95 percent of NC providers, and supports access to local primary care practices and specialty services available through Southeastern Health.
Blue Advantage, PPO network, includes Southeastern Regional Medical Center and UNC Health Southeastern, with more than 95 percent of NC doctors participating in-network for Robeson County enrollees.
Blue Care, HMO network, covers more than 95 percent of NC physicians and connects Robeson County residents to local practices such as Robeson Family Practice and Southeastern Regional Mental Health.
Both Blue Advantage and Blue Care networks support access to Lumberton-based specialty services including cardiology, oncology, and orthopedics available at Southeastern Regional Medical Center.
Robeson County residents selecting either Blue Advantage or Blue Care can align their plan with pediatric providers such as Lumberton Children's Clinic and Southeastern Family Medicine and Pediatrics.
Plan types available under Blue Cross NC in Robeson County for 2026 include structures under both networks, offering flexibility in seeing specialists without requiring referrals in most cases.
Choosing between Blue Advantage and Blue Care should be guided by which specific hospitals, clinics, and specialist practices a Robeson County resident currently uses, and Health Plans of NC can verify network participation at no cost.
Bronze plans in Robeson County start at approximately $401.70/month before subsidies. With a median household income of $40,318, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Robeson County start at $401.70 per month before subsidies, offering the lowest monthly premiums with higher deductibles for residents who want to minimize ongoing costs.
Silver plans start at $516.45 per month before subsidies and are the only tier eligible for cost-sharing reductions, which lower deductibles and out-of-pocket costs for qualifying Robeson County residents.
Gold plans start at $533.89 per month before subsidies and provide lower out-of-pocket costs at the point of care, making them well-suited for residents with frequent medical needs.
Robeson County residents with a household income near the county median of $40,318 often qualify for meaningful premium tax credits that reduce monthly costs well below the published starting prices.
Residents with incomes near or below 150 percent of the federal poverty level may qualify for enhanced subsidies that bring Silver plan premiums to $0 per month with reduced cost-sharing.
Health Plans of NC provides free personalized quotes with exact subsidy calculations so Robeson County residents can see their actual net premium before enrolling in any plan.
For 2026, Blue Cross NC is one of four ACA Marketplace carriers offering plans in Robeson County, with 18 total plans available across multiple coverage tiers. Blue Cross NC offers plans through two networks in Robeson County, Blue Advantage and Blue Care, both structured as plans that give enrollees broad access to in-network providers without requiring referrals for specialist visits. The Blue Advantage network connects Robeson County residents to more than 95 percent of NC physicians, while the Blue Care network covers more than 95 percent, both including key local facilities like Southeastern Regional Medical Center and UNC Health Southeastern. Selecting the right network is critical for Robeson County residents who rely on specific hospitals, primary care practices, or specialists, as network alignment determines whether care is billed at in-network rates. Health Plans of NC compares every available Blue Cross NC plan side by side at no cost, helping residents identify the plan and network that best fits their provider relationships and healthcare needs.
Blue Cross NC, plans under Blue Advantage and Blue Care networks, 18 total plans available in Robeson County for 2026 across 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, which opened eligibility to thousands of previously uninsured Robeson County residents. Currently, 14.3 percent of Robeson County residents, approximately 17,000 people, are uninsured, and many of them may now qualify for Medicaid or heavily subsidized Marketplace coverage 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 low-cost or no-cost pediatric coverage through local providers. Health Plans of NC offers free eligibility checks so Robeson County residents can quickly determine whether they qualify for Medicaid, CHIP, or ACA Marketplace assistance.
Working adults in Robeson County earning at or below 138 percent of the federal poverty level qualify for NC Medicaid, which covers doctor visits, hospital stays, prescriptions, and preventive services.
Children in Robeson County families with incomes up to 210 percent of the federal poverty level are eligible for NC Health Choice, ensuring affordable pediatric care through local clinics and providers.
Pregnant women in Robeson County are eligible for Medicaid coverage that extends through the postpartum period, supporting maternal and newborn health through facilities like Southeastern Regional Medical Center.
Robeson County has a poverty rate of 28.8 percent, meaning a substantial share of the county's population may qualify for Medicaid or low-cost coverage they have not yet enrolled in.
People with disabilities in Robeson County who meet income and functional criteria may qualify for Medicaid coverage that includes long-term services, behavioral health care, and specialty medical support.
Health Plans of NC licensed agents serve Robeson County residents at no cost, comparing every available plan side by side to help you find the coverage that fits your budget, providers, and household needs. Call 800-797-0327 today to speak with an agent who can walk you through enrollment and ensure you do not miss any subsidy or Medicaid benefits you may be entitled to.
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 Robeson 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 |
Robeson County ZIP Codes include: 28319, 28340, 28357, 28358, 28359, 28360, 28362, 28364, 28369, 28371, 28372, 28375, 28377, 28378, 28383, and 28386
