Find Your Most Affordable Health Insurance Plan in Wayne County
in North Carolina
Wayne 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 Wayne County, NC with Health Plans of NC. Health Plans of NC helps Wayne County residents find and enroll in the right health insurance plan for 2026, connecting individuals and families with coverage that works alongside major local employers like Seymour Johnson Air Force Base and health systems like UNC Health Wayne. Licensed agents compare every available option at no cost, making it easier to get covered without confusion or overpaying.
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 |
Wayne County is home to 117,606 residents, with a population that has grown 0.2 percent since 2020 and a foreign-born population representing 6.9 percent of the community, reflecting the county's diverse coverage needs. Major employers including Wayne County Schools, Wayne Memorial Hospital, Seymour Johnson Air Force Base, Walmart, and Mount Olive Pickle Company provide a mix of employer-sponsored and individual coverage pathways for workers and their families. Health systems like UNC Health Wayne and Wayne Memorial Hospital anchor local care delivery, making it important for residents to select a plan that keeps these providers in-network.
ACA Marketplace plans are available to Wayne County individuals and families not covered through an employer, offering access to local providers including UNC Health Wayne and Wayne Memorial Hospital.
Medicaid coverage is available to qualifying low-income Wayne County adults and families, providing broad access to area health systems following North Carolina's Medicaid expansion in December 2023.
Employer-sponsored plans cover many Wayne County workers at major employers like Wayne County Schools and Seymour Johnson Air Force Base, often with shared premium costs between employer and employee.
COBRA continuation coverage allows Wayne County residents who lose job-based insurance, such as former employees of Walmart or Mount Olive Pickle Company, to temporarily maintain their existing plan after a qualifying event.
Short-term health plans may serve as a bridge for Wayne County residents between jobs or waiting for a Special Enrollment Period, though they do not include all ACA-required benefits.
SHOP small business plans through the ACA Marketplace allow small employers in Wayne County to offer group health coverage to employees, with potential tax credits available to qualifying businesses.
For 2026, Wayne County residents have access to 14 plans through Blue Cross NC, offered across two plan networks: Blue Advantage and Blue Care, both of which include PPO structures giving enrollees broad flexibility in choosing local providers. Blue Advantage connects Wayne County residents to the largest nationwide PPO network, with more than 95 percent of North Carolina doctors participating in-network, while Blue Care offers a broad statewide PPO network covering more than 92 percent of NC doctors. Both networks are compatible with key local health systems including UNC Health Wayne and Wayne Memorial Hospital, ensuring Wayne County residents can access in-county care for emergency, surgical, and specialty services.
Blue Advantage, PPO network, covers more than 95 percent of NC doctors in-network and connects Wayne County enrollees to UNC Health Wayne and Wayne Memorial Hospital for comprehensive local care.
Blue Care, PPO network, covers more than 92 percent of NC doctors in-network and provides Wayne County residents with broad statewide access including local hospitals and specialty practices.
Both Blue Advantage and Blue Care PPO plans allow Wayne County residents to see specialists without a referral, supporting access to services at facilities like Wayne Memorial Hospital.
Wayne County residents selecting a Blue Advantage plan benefit from the widest possible provider network, which is especially valuable for those who may need out-of-county specialty care.
Blue Care plans in Wayne County offer strong in-network access for residents who primarily use local providers, including primary care and urgent care clinics throughout the Goldsboro area.
Health Plans of NC agents help Wayne County residents compare Blue Advantage and Blue Care side by side to identify which network best fits their provider preferences and care patterns.
Bronze plans in Wayne County start at approximately $401.70/month before subsidies. With a median household income of $58,082, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Wayne County start at $401.70 per month for a 35-year-old before subsidies, offering the lowest premiums with higher deductibles for those who want catastrophic protection.
Silver plans in Wayne County start at $516.45 per month before subsidies and are the only tier eligible for cost-sharing reductions, which lower deductibles and copays for qualifying enrollees.
Gold plans in Wayne County start at $533.89 per month before subsidies and feature lower out-of-pocket costs per service, making them a strong fit for residents with frequent healthcare needs.
Wayne County residents with household incomes between 100 and 400 percent of the federal poverty level qualify for premium tax credits that can reduce monthly costs across all metal tiers.
Households earning near the county's median income of $58,082 may qualify for substantial premium tax credits under the Inflation Reduction Act, making Silver or Gold plans more accessible than the sticker price suggests.
Some Wayne County residents with lower incomes may qualify for a $0 premium Silver plan after advanced premium tax credits are applied at enrollment through the ACA Marketplace.
Blue Cross NC is the sole ACA Marketplace carrier offering plans in Wayne County for 2026, with 14 total plans available to individuals and families across the county. These plans are offered through two PPO networks, Blue Advantage and Blue Care, giving Wayne County enrollees a choice between the largest nationwide provider network and a broad statewide network. Blue Advantage connects residents to more than 95 percent of NC doctors in-network, while Blue Care covers more than 92 percent, and both networks include key local health systems such as UNC Health Wayne and Wayne Memorial Hospital. The network a Wayne County resident selects will directly affect which local hospitals, clinics, and specialists are covered at in-network rates, making this one of the most important decisions in the enrollment process. Health Plans of NC compares every Blue Cross NC plan side by side at no cost, helping Wayne County residents identify the combination of network, premium, and deductible that fits their needs.
Blue Cross NC: the only ACA Marketplace carrier in Wayne County for 2026, offering 14 PPO plans across the Blue Advantage and Blue Care networks for individuals and families.
North Carolina expanded Medicaid in December 2023, and Wayne County residents with household incomes at or below 138 percent of the federal poverty level may now qualify for free or very low-cost comprehensive coverage. Wayne County's uninsured rate of 12.1 percent, representing approximately 14,000 residents without coverage, reflects a significant gap that Medicaid expansion and the ACA Marketplace are designed to close. Children in families earning up to 210 percent of the federal poverty level may qualify for NC Health Choice, the state's CHIP program, which provides low-cost pediatric coverage. Health Plans of NC offers free eligibility checks for both Medicaid and CHIP, helping Wayne County families determine their options without cost or obligation.
Working adults in Wayne County who earn at or below 138 percent of the federal poverty level may now qualify for full Medicaid coverage following North Carolina's December 2023 expansion.
Wayne County's poverty rate of 16.9 percent means a substantial share of county residents may be eligible for Medicaid at little or no monthly premium cost.
Children in Wayne County families with incomes up to 210 percent of the federal poverty level may qualify for NC Health Choice, providing low-cost dental, vision, and medical coverage.
Pregnant women in Wayne County may qualify for Medicaid coverage that includes prenatal, delivery, and postpartum care through local providers including UNC Health Wayne.
Seniors and people with disabilities in Wayne County with low income may qualify for dual coverage through both Medicare and Medicaid, significantly reducing out-of-pocket healthcare expenses.
Health Plans of NC licensed agents serve Wayne County residents at no cost, comparing every available 2026 plan 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 health needs and budget.
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 Wayne 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 |
|---|---|---|
Carolina East Medical Ctr | 2000 Neuse Blvd, New Bern, NC 28560 | (252) 633-8111 |
Carteret Health Care | 3500 Arendell St, Morehead City, NC 28557 | (252) 499-6000 |
Cherry Hospital | 1401 W Ash St, Goldsboro, NC 27530 | (919) 947-7000 |
ECU Health Beaufort Hosp A | 628 E 12th St, Washington, NC 27889 | (252) 975-4100 |
ECU Health Maynard Children's | 2102 Stantonsburg Rd, Greenville, NC 27834 | (252) 816-3714 |
ECU Health Medical Ctr | 2100 Stantonsburg Rd, Greenville, NC 27834 | (252) 847-4100 |
UNC Lenoir Health Care | 100 Airport Rd, Kinston, NC 28501 | (252) 522-7000 |
Walter B Jones Alcohol & Drug | 2577 W 5th St, Greenville, NC 27834 | (252) 830-3426 |
Wayne MEMORIAL Hospital | 2605 Medical Office Pl, Goldsboro, NC 27534 | (919) 731-6112 |
Wayne UNC Health Care | 2700 Wayne Memorial Dr, Goldsboro, NC 27534 | (919) 736-1110 |
Clinic | Address | Phone |
|---|---|---|
Abhishek K Mishra MD | 701 Doctors Dr, Kinston, NC 28501 | (252) 559-2200 |
Acupuncture Of Eastern NC | 1425 S Glenburnie Rd # 6, New Bern, NC 28562 | (252) 665-3294 |
Audit-Tel | , Greenville, NC 27858 | (252) 353-3331 |
Cape Carteret Family Medicine | 1057d Cedar Point Blvd # D, Cedar Point, NC 28584 | (252) 764-2121 |
Community Care Plan-Eastern | 521 Moye Blvd # C, Greenville, NC 27834 | (252) 816-0830 |
East Carolina Heart Inst | 526 Moye Blvd, Greenville, NC 27834 | (252) 847-5755 |
East Carolina Univ Family Med | 101 Heart Dr, Greenville, NC 27834 | (252) 744-4611 |
East Coast Onsite Medical Care | 505 Greenville Blvd SE, Greenville, NC 27858 | (252) 754-2273 |
Ecu Department-Family Medicine | 101 Heart Dr, Greenville, NC 27834 | (252) 744-2607 |
ECU Health Bover Hospital | 1209 Brown St, Washington, NC 27889 | (252) 975-4308 |
ECU Health Family Medicine-LA | 101 S Carey St, La Grange, NC 28551 | (252) 566-4021 |
ECU Health Gamma Knife Ctr | 2100 Stantonsburg Rd, Greenville, NC 27834 | (252) 847-2611 |
ECU Health Gastroenterology | 521 Moye Blvd # C, Greenville, NC 27834 | (252) 816-0800 |
ECU Health Heart-Vascular Care | 701 Doctors Dr # B, Kinston, NC 28501 | (252) 559-2200 |
ECU Health Sleep Ctr-Grnvll | 4 Doctors Park Medical Dr, Greenville, NC 27834 | (252) 847-7500 |
Goshen Medical Ctr-Fremont | 109 S Sycamore St, Fremont, NC 27830 | (919) 242-4382 |
Goshen Medical Ctr | 2001 Neuse Blvd, New Bern, NC 28560 | (910) 219-1082 |
Goshen Medical Ctr | 325 N Carolina Highway 55, Mount Olive, NC 28365 | (919) 658-5900 |
Healthfirst Medical Ctr Inc | 1201 Carolina Ave, Washington, NC 27889 | (252) 833-0365 |
Lindsey Roberson FNP | 701 Doctors Dr, Kinston, NC 28501 | (252) 559-2200 |
Med Center 1 | 1688 E Arlington Blvd, Greenville, NC 27858 | (252) 353-1464 |
Miracles In Sight | 620 Red Banks Rd, Greenville, NC 27858 | (252) 751-0785 |
Snow Hill Medical Ctr | 1106 Kingold Blvd, Snow Hill, NC 28580 | (252) 747-2921 |
UNC Family Medicine At Rswd | 2600 US Highway 70 W, Goldsboro, NC 27530 | (919) 739-4808 |
Vidant Medical Ctr | 3900 E 10th St, Greenville, NC 27858 | (252) 847-4325 |
Vidant Outpatient Rehab | 2310 Stantonsburg Rd, Greenville, NC 27834 | (252) 847-6603 |
Vitality Health & Wellness | 1429 E Fire Tower Rd # 104, Greenville, NC 27858 | (252) 364-2802 |
Westcare Innovative Healthcare | 2710 Beddard Rd, Grimesland, NC 27837 | (252) 754-0920 |
Wayne County ZIP Codes include: 27530, 27531, 27532, 27533, 27534, 27830, 27863, 28333, 28365, and 28578
