Find Your Most Affordable Health Insurance Plan in Vance County
in North Carolina
Vance County residents can compare 15 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 Vance County, NC with Health Plans of NC. Health Plans of NC helps residents of Vance County, NC find affordable health insurance coverage, connecting families and individuals in Henderson and surrounding communities with plans that fit their needs and budgets. Whether you work for Maria Parham Health, Vance County Schools, or another local employer, Health Plans of NC can guide you through every coverage option available in the county at no cost to you.
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 |
Vance County is home to 42,361 residents, with a population that has declined by 0.5 percent in recent years, reflecting the economic pressures facing this rural northern North Carolina community where 4.9 percent of residents were born outside the United States. Major employers such as Walmart, Vance County Schools, Variety Wholesalers, Maria Parham Health, and the County of Vance anchor the local workforce, and the primary health system serving the area is UNC Health Vance in Henderson. Residents have access to several distinct coverage pathways depending on their employment status, income, age, and household situation, and Health Plans of NC can help identify the best fit at no charge.
ACA Marketplace coverage is available to Vance County residents who do not have access to qualifying employer-sponsored insurance, including self-employed workers and those between jobs in Henderson and surrounding towns.
Medicaid coverage is available to qualifying low-income adults and families in Vance County, particularly those employed part-time or in lower-wage positions at local employers like Variety Wholesalers or Walmart.
Employer-sponsored insurance is offered by several major Vance County employers, including Vance County Schools and Maria Parham Health, and may cover employees and their eligible dependents at group rates.
Short-term health insurance plans may serve Vance County residents who are in a coverage gap between jobs or waiting for ACA open enrollment, providing temporary protection against unexpected medical events.
COBRA continuation coverage allows eligible Vance County residents who lose job-based insurance, such as former employees of the County of Vance or UNC Health Vance, to maintain their existing plan temporarily after a qualifying life event.
Small business SHOP Marketplace plans are available to Vance County employers with fewer than 50 full-time employees who want to offer group health coverage to their workers and potentially qualify for the Small Business Health Care Tax Credit.
For 2026, Vance County residents can choose from plans offered under two Blue Cross NC networks, Blue Advantage and Blue Care, both of which connect policyholders to local and regional providers in the Henderson area and beyond. Blue Advantage is a PPO network with the largest nationwide footprint, covering more than 95 percent of North Carolina doctors in-network, while Blue Care is also a PPO network with broad statewide reach covering more than 92 percent of North Carolina doctors. Both networks include access to key regional hospitals and health systems that serve Vance County residents, and Health Plans of NC can help you confirm that your preferred providers are in-network before you enroll.
Blue Advantage, a PPO plan, provides access to the largest nationwide network and connects Vance County residents to UNC Health Vance, Maria Parham Health in Henderson, and a broad range of regional specialists.
Blue Advantage covers more than 95 percent of North Carolina physicians in-network, giving Henderson-area residents substantial flexibility in choosing primary care doctors and specialists without referrals.
Blue Care, also a PPO plan, offers broad statewide network coverage and connects Vance County policyholders to local hospitals including Granville Health System in Oxford and Nash General Hospital in Rocky Mount.
Blue Care covers more than 92 percent of North Carolina doctors in-network, making it a strong option for Vance County residents who want reliable access to providers throughout the region.
Both Blue Advantage and Blue Care PPO plans allow Vance County residents to seek care at major regional facilities, including those in the Raleigh-Durham area, without needing a primary care referral.
Health Plans of NC agents compare Blue Advantage and Blue Care plans side-by-side at no cost, helping residents in Kittrell, Middleburg, Townsville, and Henderson choose the network that best matches their provider preferences.
Bronze plans in Vance County start at approximately $482.73/month before subsidies. With a median household income of $46,943, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Vance County start at $482.73 per month before subsidies for a 35-year-old, offering the lowest monthly premiums with higher out-of-pocket costs when care is needed.
Silver plans start at $620.43 per month before subsidies and are the only tier eligible for cost-sharing reductions, which lower deductibles and copays for qualifying Vance County households.
Gold plans start at $641.58 per month before subsidies and feature lower out-of-pocket maximums, making them a strong fit for residents who expect frequent medical visits throughout the year.
Vance County residents with household incomes near the county median of $46,943 will likely qualify for premium tax credits that reduce monthly marketplace plan costs well below standard list prices.
Some lower-income Vance County households may qualify for a zero-dollar premium Silver-equivalent plan through enhanced federal subsidies available under current ACA rules, dramatically lowering the barrier to comprehensive coverage.
Premium tax credits are calculated based on household income relative to the federal poverty level, and Health Plans of NC agents can determine your exact credit amount at no cost during a free consultation.
For 2026, Blue Cross NC is the sole ACA Marketplace carrier serving Vance County, offering 15 plans across the county's zip codes of 27536, 27537, 27549, and 27553. These plans are available under two PPO network options, Blue Advantage and Blue Care, giving residents a choice between the largest nationwide provider network and a broad statewide network. Blue Advantage connects Vance County policyholders to UNC Health Vance and Maria Parham Health in Henderson, as well as a wide range of specialists and facilities across North Carolina and the country, while Blue Care provides broad in-state access including Granville Health System in Oxford and Nash General Hospital in Rocky Mount. Choosing between Blue Advantage and Blue Care directly affects which local doctors, hospitals, and specialists a Vance County resident can access at in-network rates, making network comparison an important step before enrollment. Health Plans of NC agents compare every available Blue Cross NC plan side-by-side at no cost to help Vance County residents find the right fit for their medical needs.
Blue Cross NC, PPO plans under Blue Advantage and Blue Care networks, 15 plans available in Vance County for 2026.
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, a change that opened coverage to thousands of previously uninsured residents across the state. In Vance County, approximately 5,000 residents, representing a 12.9 percent uninsured rate, remain without coverage, and many of them may now qualify for Medicaid or low-cost Marketplace plans. 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 comprehensive pediatric coverage at little or no cost. Health Plans of NC offers free eligibility checks for Vance County residents who want to determine whether they qualify for Medicaid, CHIP, or subsidized Marketplace coverage.
Working adults in Vance County who earn low wages, such as part-time or seasonal workers, may qualify for Medicaid under North Carolina's expansion if their income falls at or below 138 percent of the federal poverty level.
Children in Vance County households with incomes up to 210 percent of the federal poverty level may be eligible for NC Health Choice, which provides dental, vision, and medical coverage with minimal cost sharing.
Pregnant women in Vance County are eligible for expanded Medicaid coverage throughout pregnancy and for a postpartum period, ensuring access to prenatal care and delivery services at Maria Parham Health and other local providers.
Vance County's poverty rate of 19.0 percent means a significant share of residents may qualify for Medicaid, making it essential for uninsured households to check their eligibility before assuming they must pay full marketplace premiums.
Adults with disabilities in Vance County may qualify for Medicaid through separate eligibility pathways tied to Social Security Disability Insurance or Supplemental Security Income status, and Health Plans of NC can help navigate the application process at no cost.
Health Plans of NC licensed agents serve Vance County residents at no cost, comparing every available plan side-by-side to help you find the right coverage for your health needs and budget. Call 800-797-0327 today to get personalized guidance, a free subsidy calculation, and help completing your enrollment in the plan that works best for you and your family.
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 Vance 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 |
|---|---|---|
Central Regional Hospital | 300 Veazey Dr, Butner, NC 27509 | (919) 764-2000 |
Duke Raleigh Hospital | 3400 Wake Forest Rd, Raleigh, NC 27609 | (919) 954-3000 |
Granville Health System | 1010 College St, Oxford, NC 27565 | (919) 690-3000 |
Holly Hill Hospital | 3019 Falstaff Rd, Raleigh, NC 27610 | (919) 250-7000 |
Nash General Hospital | 2460 Curtis Ellis Dr, Rocky Mount, NC 27804 | (252) 962-8000 |
PAM Specialty Hosp Of Rocky Mt | 1051 Noell Ln, Rocky Mount, NC 27804 | (252) 451-2300 |
Rex Hospital | 4420 Lake Boone Trl, Raleigh, NC 27607 | (919) 784-3100 |
Strategic Behavioral Ctr Rlgh | 3200 Waterfield Dr, Garner, NC 27529 | (919) 800-4400 |
UNC Health Johnston | 509 N Brightleaf Blvd, Smithfield, NC 27577 | (919) 934-8171 |
UNC Hospitals At Wakebrook | 111 Sunnybrook Rd, Raleigh, NC 27610 | (984) 974-4800 |
WakeMed Cary Hospital | 1900 Kildaire Farm Rd, Cary, NC 27518 | (919) 350-8000 |
WakeMed North Hospital | 10000 Falls Of Neuse Rd, Raleigh, NC 27614 | (919) 350-8000 |
WakeMed Raleigh Campus | 3000 New Bern Ave, Raleigh, NC 27610 | (919) 350-8000 |
Wilson Medical Ctr | 1705 Tarboro St SW, Wilson, NC 27893 | (252) 399-8040 |
Clinic | Address | Phone |
|---|---|---|
Angier Pediatric & Adult Med | 441 Lakestone Commons Ave, Fuquay Varina, NC 27526 | (919) 577-0481 |
Benson Area Medical Ctr Inc | 11801 Vogel St, Raleigh, NC 27617 | (919) 207-4403 |
Beverly Medical Ctr | 6008 Creedmoor Rd, Raleigh, NC 27612 | (919) 844-4552 |
Brier Creek Medical Pavilion | 10207 Cerny St, Raleigh, NC 27617 | (919) 634-6269 |
Carolina Neuropsychology Svc | 3900 Barrett Dr # 102, Raleigh, NC 27609 | (919) 859-9040 |
Carolinas Center For Med | 3600 Glenwood Ave # 120, Raleigh, NC 27612 | (919) 461-5500 |
Clayton Dialysis Ctr | 86 Healthpark Way, Clayton, NC 27520 | (919) 550-7456 |
Clinton Dialysis Unit | 545 E Market St, Smithfield, NC 27577 | (919) 934-2826 |
Duke Raleigh Hosp Palliative | 3404 Wake Forest Rd, Raleigh, NC 27609 | (919) 862-5400 |
Duke Raleigh Hosp Pre | 3300 Executive Dr, Raleigh, NC 27609 | (919) 954-3940 |
Duke Raleigh Hosp | 3404 Wake Forest Rd, Raleigh, NC 27609 | (919) 862-5718 |
Duke Rheumatology Raleigh | 3480 Wake Forest Rd # 414, Raleigh, NC 27609 | (919) 613-2243 |
Duke Spine-Pain Mgmt-Raleigh | 3480 Wake Forest Rd, Raleigh, NC 27609 | (919) 862-5367 |
Duke Women's Health Heritage | 3000 Rogers Rd, Wake Forest, NC 27587 | (919) 385-2940 |
Eastern Carolina Pathology | 2693 Forest Hills Rd SW # B, Wilson, NC 27893 | (252) 234-2841 |
ECU Health Family Medicine | 1704 Glendale Dr. SW, Wilson, NC 27893 | (252) 246-8960 |
Fastmed Family Medicine | 11491 US 70 Business Hwy W, Clayton, NC 27520 | (919) 550-2484 |
Fastmed Family Medicine | 5156 N Carolina 42, Garner, NC 27529 | (919) 329-5000 |
Goshen Medical Ctr Inc | 1624 White Oak Church Rd, Apex, NC 27523 | (941) 267-2042 |
Granville Medical Ctr | 1010 College St, Oxford, NC 27565 | (919) 690-3000 |
Karissa Binkley | 1021 W Williams St # 105, Apex, NC 27502 | (919) 961-9885 |
Meso & Beyond Medical Ctr | 1000 N Main St # 100, Fuquay Varina, NC 27526 | (919) 285-4373 |
Pai Wellness Group | 9380 Falls Of Neuse Rd # 101, Raleigh, NC 27615 | (919) 529-3355 |
Rocky Mt Medical Park | 901 N Winstead Ave, Rocky Mount, NC 27804 | (252) 937-8507 |
Siemens Medical Solutions | 209 Gregson Dr, Cary, NC 27511 | (919) 461-0132 |
Smithfield Pulmonology | 706 Wilkins St # A, Smithfield, NC 27577 | (919) 989-1800 |
Southern Wake Medical Ctr | 415 Wake Chapel Rd, Fuquay Varina, NC 27526 | (919) 552-9143 |
Synchrony Energetics Incl | 3201 Nash St NW # A, Wilson, NC 27896 | (252) 373-4722 |
UNC Fertility | 7920 Acc Blvd # 300, Raleigh, NC 27617 | (919) 908-0000 |
Voyage Anesthesia PC | 101 Forest Dr # D, Knightdale, NC 27545 | (919) 341-0188 |
Wake Health Svc | , Franklinton, NC 27525 | (919) 494-5246 |
WakeMed Brier Creek Healthplex | 8001 T W Alexander Dr, Raleigh, NC 27617 | (919) 350-8000 |
Vance County ZIP Codes include: 27536, 27537, 27544, 27556, and 27584
