Find Your Most Affordable Health Insurance Plan in Warren County
in North Carolina
Warren County residents can compare 16 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 Warren County, NC with Health Plans of NC. Health Plans of NC helps residents of Warren County, NC find and compare affordable health insurance options, including plans that connect to Warren Memorial Hospital and UNC Health Nash for local care. Whether you work for Warren County Schools, Glen Raven, or are self-employed, our licensed agents guide you through every available plan at no cost.
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 |
Warren County is home to 18,751 residents, with a 0.6 percent population growth since 2020 and a foreign-born resident share of 3.0 percent, reflecting a diverse community with a range of health coverage needs. Major employers including Warren County Schools, the County of Warren, Glen Raven, the NC Department of Adult Corrections, and Food Lion each represent a different coverage landscape, from employer-sponsored plans to marketplace options for workers without job-based benefits. Health Plans of NC helps every Warren County resident identify the right coverage pathway, whether through the ACA Marketplace, Medicaid, or other programs tied to local health systems like Warren Memorial Hospital and UNC Health Nash.
ACA Marketplace coverage is available to Warren County residents who are not offered affordable employer-sponsored insurance through employers like Glen Raven or Food Lion.
Medicaid coverage through NC Medicaid Managed Care is available to income-qualifying Warren County residents seeking care at Warren Memorial Hospital and UNC Health Nash.
Employer-sponsored insurance is a primary coverage source for Warren County Schools employees and County of Warren workers with access to group health benefits.
Short-term health plans may serve as a temporary bridge for Warren County residents between jobs at local employers like the NC Department of Adult Corrections or Food Lion.
COBRA continuation coverage allows Warren County residents who leave jobs at major local employers to maintain their existing group health benefits for a limited period.
Small business SHOP Marketplace plans are available to eligible small employers in Warren County who want to offer group coverage to their employees through a structured marketplace option.
Warren County residents have access to 16 Blue Cross NC plans for 2026, offered through two distinct provider networks, Blue Advantage and Blue Care, each connecting enrollees to hospitals and health systems in and around the county. Blue Advantage is a PPO network covering 95 percent or more of NC doctors, while Blue Care is a PPO network covering 92 percent or more of NC doctors, giving Warren County residents meaningful flexibility in how they access care at facilities including Warren Memorial Hospital, UNC Health Nash, Granville Health System in Oxford, and Nash General Hospital in Rocky Mount. Health Plans of NC helps Warren County residents compare both network options side-by-side to confirm their preferred local providers are in-network before enrolling.
Blue Advantage, PPO, provides the largest nationwide network with 95 percent or more of NC doctors in-network, connecting Warren County residents to Warren Memorial Hospital and UNC Health Nash.
Blue Care, PPO, offers a broad statewide network with 92 percent or more of NC doctors in-network, supporting access to Granville Health System in Oxford and Nash General Hospital in Rocky Mount.
Both Blue Advantage and Blue Care plan types are PPO structures, meaning Warren County enrollees have flexibility to see specialists without a required referral from a primary care physician.
Network selection matters for Warren County residents because choosing the wrong plan could limit access to the closest and most familiar local facilities served by UNC Health Nash.
Health Plans of NC agents verify provider participation in both Blue Advantage and Blue Care networks for Warren County residents before enrollment to avoid unexpected out-of-network costs.
Warren County residents can access plans across Bronze, Silver, and Gold tiers within both Blue Advantage and Blue Care networks, allowing flexibility to match coverage level with healthcare use.
Bronze plans in Warren County start at approximately $443.10/month before subsidies. With a median household income of $45,279, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Warren County start at $443.10 per month for a 35-year-old before premium tax credits, offering lower monthly costs with higher out-of-pocket responsibility when care is needed.
Silver plans start at $569.49 per month before subsidies and are the only tier eligible for cost-sharing reductions, which lower deductibles and copays for qualifying Warren County residents.
Gold plans start at $588.91 per month before premium tax credits and offer lower out-of-pocket costs, making them a strong fit for Warren County residents who use healthcare services frequently.
Warren County residents with household incomes near the county median of $45,279 likely qualify for premium tax credits that bring monthly costs well below published sticker prices.
Lower-income Warren County households may qualify for a $0 net premium Silver plan after subsidies are applied, making it essential to calculate subsidy eligibility before selecting a plan based on listed prices.
Out-of-pocket maximums for 2026 ACA plans cap annual exposure for Warren County enrollees, providing financial protection against high-cost medical events even on Bronze-tier coverage.
Blue Cross NC is the sole ACA Marketplace carrier offering plans in Warren County for 2026, with a total of 16 plans available across all coverage tiers. These plans are offered through two PPO network options, Blue Advantage and Blue Care, each providing different levels of statewide and nationwide provider access. Blue Advantage connects Warren County residents to the largest nationwide network, while Blue Care offers a broad statewide network that still reaches key regional facilities serving this part of northeastern North Carolina. The network a Warren County resident selects directly affects which hospitals, specialists, and primary care providers are available at in-network cost, making carrier and network selection one of the most consequential enrollment decisions a resident will make. Health Plans of NC compares every Blue Cross NC plan side-by-side at no cost, helping Warren County residents identify the right combination of network, tier, and premium for their specific situation.
Blue Cross NC, PPO plans through Blue Advantage and Blue Care networks, 16 total plans available to Warren County residents for 2026.
North Carolina expanded Medicaid in December 2023, extending free or very low-cost coverage to adults earning up to 138 percent of the federal poverty level, a threshold that is especially significant in Warren County given the county's 22.2 percent poverty rate. Currently, 10.6 percent of Warren County residents, approximately 2,000 people, remain uninsured, and many of them may now qualify for Medicaid under expansion or for heavily subsidized marketplace coverage. Children in Warren County 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 coverage for pediatric care. Health Plans of NC conducts free eligibility checks for Warren County residents to determine whether Medicaid, CHIP, or a marketplace plan is the best fit for their household.
Working adults in Warren County earning at or below 138 percent of the federal poverty level may qualify for NC Medicaid at no cost following the December 2023 expansion.
Children in Warren County households with incomes up to 210 percent of the federal poverty level may be eligible for NC Health Choice, providing comprehensive low-cost pediatric coverage.
Pregnant women in Warren County are eligible for Medicaid at higher income thresholds than the standard adult limit, ensuring prenatal and delivery care is covered for qualifying mothers.
Low-income seniors in Warren County who qualify for both Medicare and Medicaid may receive assistance with premiums, copays, and services not fully covered by Medicare alone.
Warren County residents with disabilities who meet income and functional criteria may qualify for Medicaid coverage that includes long-term services and supports beyond standard medical care.
Health Plans of NC licensed agents serve Warren County residents at no cost, comparing every available plan side-by-side and guiding families through enrollment from start to finish. Call us today at 800-797-0327 to get personalized help finding the right plan for your household.
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 Warren 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 |
Warren County ZIP Codes include: 27551, 27553, 27563, 27570, 27586, 27589, and 27594
