Find Your Most Affordable Health Insurance Plan in Washington County
in North Carolina
Washington County residents can compare 17 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 Washington County, NC with Health Plans of NC. Health Plans of NC helps residents of Washington County, NC find affordable health insurance coverage through Blue Cross NC, with local ties to employers like Domtar Paper Company and health systems like ECU Health serving the community.
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 |
Washington County is home to 10,905 residents, a population that has seen a slight decline of 0.9 percent since 2020, with 0.7 percent of residents being foreign-born, reflecting a tight-knit rural community with distinct coverage needs. Major local employers such as Domtar Paper Company, Weyerhaeuser, Affinity Health Partners, and Washington County government offer some workers employer-sponsored benefits, while those without job-based coverage can access individual and family plans through the ACA Marketplace. Health systems including Vidant Washington Hospital and ECU Health anchor healthcare access in the region, making it important for residents to choose coverage that connects them to these local providers.
ACA Marketplace coverage through Blue Cross NC gives Washington County residents without employer benefits access to comprehensive individual and family plans connected to local health systems like ECU Health.
Medicaid coverage is available to qualifying low-income Washington County adults, children, and families, providing free or low-cost care at facilities like Vidant Washington Hospital in Plymouth.
Employer-sponsored health insurance is offered by major Washington County employers such as Domtar Paper Company, Weyerhaeuser, and Affinity Health Partners to eligible full-time workers and their families.
Short-term health plans can serve Washington County residents experiencing gaps in coverage between jobs or life transitions, offering temporary protection while a long-term plan is secured.
COBRA continuation coverage allows Washington County workers who leave employers like Washington County government or Domtar Paper Company to temporarily keep their existing group health benefits.
Small business SHOP Marketplace plans are available to Washington County small business owners who want to offer employee health benefits, including those in industries supported by local employers like Weyerhaeuser.
For 2026, Washington County residents can choose from 17 health insurance plans offered through Blue Cross NC, available under two distinct plan networks: Blue Advantage and Blue Care, both structured as PPO plans that allow access to a broad range of providers. Blue Advantage connects Washington County residents to the largest nationwide PPO network, while Blue Care provides a broad statewide PPO network, giving enrollees flexibility when accessing facilities like Vidant Washington Hospital and ECU Health locations throughout northeastern North Carolina. Health Plans of NC helps residents compare these network options side by side to ensure their preferred local hospitals and clinics are covered before they enroll.
Blue Advantage, a PPO network, covers over 95 percent of NC doctors in-network and connects Washington County residents to a large nationwide provider network including local ECU Health facilities.
Blue Care, a PPO network, covers over 92 percent of NC doctors in-network and gives Washington County residents broad statewide access to hospitals and clinics across northeastern North Carolina.
Both Blue Advantage and Blue Care PPO plans allow Washington County residents to see specialists without referrals, supporting access to specialty care at regional ECU Health locations.
Washington County residents using Vidant Washington Hospital in Plymouth should confirm that facility's in-network status under their chosen Blue Advantage or Blue Care plan before enrolling.
Plan types available under Blue Cross NC in Washington County include PPO structures across Bronze, Silver, Gold, and Catastrophic metal tiers, offering flexibility to match different healthcare usage patterns.
Health Plans of NC agents compare every Blue Advantage and Blue Care plan available in Washington County at no cost, helping residents identify which network best fits their provider preferences.
Bronze plans in Washington County start at approximately $491.92/month before subsidies. With a median household income of $41,750, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Washington County start at $491.92 per month for a 35-year-old, offering the lowest monthly premiums with higher deductibles, best suited for residents who rarely need medical care.
Silver plans start at $644.87 per month for a 35-year-old and are the only metal tier eligible for cost-sharing reductions, which lower deductibles and copays for qualifying Washington County households.
Gold plans start at $669.68 per month for a 35-year-old, providing lower out-of-pocket costs at the time of care, making them a strong fit for residents with frequent healthcare needs.
Washington County residents with household incomes between 100 and 400 percent of the federal poverty level qualify for Advance Premium Tax Credits that can significantly reduce monthly plan costs below the published starting prices.
Some Washington County households near the county median income of $41,750 may qualify for $0 premium Silver plans after tax credits are applied, making comprehensive coverage highly accessible.
Out-of-pocket maximums vary across all 17 available plans, so Washington County residents should compare total annual costs including deductibles and copays, not just monthly premiums, when selecting a plan.
For 2026, Blue Cross NC is the sole ACA Marketplace carrier serving Washington County, offering all 17 available health insurance plans to residents in the county. Blue Cross NC plans are available through two PPO network options: Blue Advantage, which features the largest nationwide network with over 95 percent of NC doctors in-network, and Blue Care, which provides a broad statewide network with over 92 percent of NC doctors in-network. Blue Advantage connects Washington County residents to a wide national provider base, while Blue Care focuses on strong statewide access, both supporting care at regional facilities like Vidant Washington Hospital and ECU Health locations. Network choice directly affects which hospitals, clinics, and specialists are considered in-network for Washington County residents, making it critical to verify local provider participation before selecting a plan. Health Plans of NC compares every available Blue Cross NC plan side by side at no cost, helping Washington County families find the right network and plan structure for their healthcare needs.
Blue Cross NC: the only ACA Marketplace carrier in Washington County, offering 17 total plans across Blue Advantage PPO and Blue Care PPO network options 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 threshold that makes a large portion of Washington County residents newly eligible. Currently, 8.4 percent of Washington County residents, approximately 1,000 people, remain uninsured, and many of them may qualify for Medicaid or subsidized Marketplace coverage without realizing it. 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 coverage for kids across Washington County. Health Plans of NC offers free eligibility checks to help Washington County residents determine whether they qualify for Medicaid, CHIP, or a subsidized Marketplace plan.
Working adults in Washington County who earn at or below 138 percent of the federal poverty level now qualify for full Medicaid coverage following North Carolina's December 2023 expansion.
Washington County's poverty rate of 24.7 percent means a substantial share of county residents may be eligible for Medicaid at no cost, covering doctor visits, prescriptions, and hospital care.
Children in Washington County families earning up to 210 percent of the federal poverty level may qualify for NC Health Choice, also known as CHIP, which provides comprehensive low-cost coverage for minors.
Pregnant women in Washington County may qualify for Medicaid coverage that includes prenatal care, labor and delivery, and postpartum services, regardless of immigration or employment status.
Washington County residents with disabilities or seniors with low incomes may qualify for Medicaid programs that cover long-term care, home health services, and other specialized medical needs.
Health Plans of NC licensed agents serve Washington County residents at no cost, comparing all available plans side by side and guiding you through enrollment from start to finish. Call 800-797-0327 today 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 Washington 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 |
|---|---|---|
ECU Health Bertie Hospital | 1403 S King St, Windsor, NC 27983 | (252) 794-6600 |
ECU Health Chowan Hospital | 211 Virginia Rd, Edenton, NC 27932 | (252) 482-8451 |
ECU Health Edgecombe Hospital | 111 Hospital Dr, Tarboro, NC 27886 | (252) 641-7700 |
ECU Health North Hospital | 250 Smith Church Rd, Roanoke Rapids, NC 27870 | (252) 535-8011 |
ECU Health Roanoke-Chowan Hosp | 500 Academy St S, Ahoskie, NC 27910 | (252) 209-3000 |
Martin General Hospital | 310 S Mccaskey Rd, Williamston, NC 27892 | (252) 809-6300 |
Outer Banks Hospital | 4800 S Croatan Hwy, Nags Head, NC 27959 | (252) 449-4500 |
Sentara Albemarle Medical Ctr | 1144 N Road St, Elizabeth City, NC 27909 | (252) 335-0531 |
Washington Regional Med Ctr | 958 US Highway 64 E, Plymouth, NC 27962 | (252) 793-4135 |
Clinic | Address | Phone |
|---|---|---|
ECU Health Endocrinology-Ahsk | 226 Academy St S, Ahoskie, NC 27910 | (252) 209-3991 |
ECU Health Family Medicine | 1124 Harvey Point Rd, Hertford, NC 27944 | (252) 426-2946 |
ECU Health Family Medicine | 1385 Medical Center Dr # 4942, Roanoke Rapids, NC 27870 | (252) 537-9176 |
ECU Health Heart-Vascular Care | 220 Smith Church Rd, Roanoke Rapids, NC 27870 | (252) 537-9268 |
ECU Health Internal Medicine | 104 Mark Dr, Edenton, NC 27932 | (252) 482-5171 |
ECU Health Multispecialty | 113 Virginia Rd, Edenton, NC 27932 | (252) 482-3047 |
ECU Health Neurology-Edenton | 203 Earnhart Dr # B, Edenton, NC 27932 | (252) 482-5868 |
ECU Health Orthopedics-Roanoke | 171 N Carolina 125, Roanoke Rapids, NC 27870 | (252) 537-5631 |
ECU Health Pulmonology-Ahoskie | 222 Academy St S, Ahoskie, NC 27910 | (252) 209-3440 |
ECU Health Sleep Medicine | 240 Smith Church Rd # A, Roanoke Rapids, NC 27870 | (252) 535-1082 |
Halifax Regional Med Ctr Inc | 250 Smith Church Rd, Roanoke Rapids, NC, 27870, Not AvailableIsland Medical Ctr, 715 US Highway 64, Manteo, NC 27954 | (252) 473-2500 |
Sentara Vascular Specialists | 5200 N Croatan Hwy # 6, Kitty Hawk, NC 27949 | (252) 255-6125 |
Signature Healthcare | 305 E 14th St, Roanoke Rapids, NC 27870 | (252) 537-6181 |
Vidant Sleep Medicine-Roanoke | 240 Smith Church Rd, Roanoke Rapids, NC 27870 | (252) 535-1082 |
Washington County ZIP Codes include: 27928, 27962, and 27970
