Health Insurance Premiums on the ACA, North Carolina numbers

[Winston]

Federal premium help for ACA plans is changing | Blue Cross NC

Discover how changes to federal subsidies could impact your ACA health plan costs in 2026.

www.bluecrossnc.com

So the numbers are starting to come out and they sure are eye numbing.

I mean a young single person, 30 years old making 25 grand a year. He will see his premium rise from $50 bucks a month to $150. Might think that doesn't sound bad until you consider it is almost five percent of his yearly income.

Now, family of four making 60 grand a year. And I got to wonder, how can someone support a family of four on sixty grand? It is going to be tight. Hell, two teen boys and thirty percent of that sixty grand is going for food. They will see a premium increase from $250 a month to $600 a month. Dee Yam. $4200 a year more. For this family, it is going to be painful.

But now the big one. Middle aged couple, 45. Maybe new empty nest, kids all grown and raised. At the height of their careers. I am thinking self-employed plumbers, electricians. They make $125,000 a year. Which wasn't that much when the kids were in college, but now, grandkids coming, it is enough to live comfortably and do a little spoiling, after all, the house is paid for. Although that $885 month health insurance premium was hard, at your age, it was a bargain. Now, $2,918 month. Over $24,000 a year increase, over two grand a damn month.

If anything, this will probably be the death of the silver plans. They will descend into a death spiral. There will be some substitution, high deductible Bronze plans. But millions will just become frustrated and leave the risk pool. The three examples above the precise demographic you want IN the risk pool.

And to close this out, in researching this increase through BCBS I found that medical inflation, this year, THIS YEAR, will exceed any level since before the ACA--yes, Obamacare. So any claim Republicans make about "fixing" anything clearly means nothing, and any claim about the ACA causing massive health care inflation is comical.

 

[1srelluc]

30 years old making 25 grand a year in NC?

LOL....You started off bogus and went downhill from there.


The average income for a 30-year-old male in North Carolina is approximately $60,333 for full-time, year round workers. The median income for all workers aged 15 years and older in North Carolina is $44,058 for males. Additionally, the average salary for full-time workers in North Carolina is $74,644.
Forbes

 

[Blaster]

30 years old making 25 grand a year in NC?

LOL....You started off bogus and went downhill from there.


The average income for a 30-year-old male in North Carolina is approximately $60,333 for full-time, year round workers. The median income for all workers aged 15 years and older in North Carolina is $44,058 for males. Additionally, the average salary for full-time workers in North Carolina is $74,644.
Forbes

The OP is a liar.

 

[1srelluc]

The OP is a liar.

LOL....Maybe they are all working under the table.

 

[leftwinger]

Few people (outliers) always "found" in stories to justify making 200 million pay for ten million illegals. Uh...no thanks.

 

[justoffal]

Federal premium help for ACA plans is changing | Blue Cross NC

Discover how changes to federal subsidies could impact your ACA health plan costs in 2026.

www.bluecrossnc.com

So the numbers are starting to come out and they sure are eye numbing.

I mean a young single person, 30 years old making 25 grand a year. He will see his premium rise from $50 bucks a month to $150. Might think that doesn't sound bad until you consider it is almost five percent of his yearly income.

Now, family of four making 60 grand a year. And I got to wonder, how can someone support a family of four on sixty grand? It is going to be tight. Hell, two teen boys and thirty percent of that sixty grand is going for food. They will see a premium increase from $250 a month to $600 a month. Dee Yam. $4200 a year more. For this family, it is going to be painful.

But now the big one. Middle aged couple, 45. Maybe new empty nest, kids all grown and raised. At the height of their careers. I am thinking self-employed plumbers, electricians. They make $125,000 a year. Which wasn't that much when the kids were in college, but now, grandkids coming, it is enough to live comfortably and do a little spoiling, after all, the house is paid for. Although that $885 month health insurance premium was hard, at your age, it was a bargain. Now, $2,918 month. Over $24,000 a year increase, over two grand a damn month.

If anything, this will probably be the death of the silver plans. They will descend into a death spiral. There will be some substitution, high deductible Bronze plans. But millions will just become frustrated and leave the risk pool. The three examples above the precise demographic you want IN the risk pool.

And to close this out, in researching this increase through BCBS I found that medical inflation, this year, THIS YEAR, will exceed any level since before the ACA--yes, Obamacare. So any claim Republicans make about "fixing" anything clearly means nothing, and any claim about the ACA causing massive health care inflation is comical.

Comical? You should have used your AI bot today Winston.... You just demonstrated massive inflation in the ACA so what the hell are you talking about? What people will now see is what the ACA has always been.

 

[Nostra]

Federal premium help for ACA plans is changing | Blue Cross NC

Discover how changes to federal subsidies could impact your ACA health plan costs in 2026.

www.bluecrossnc.com

So the numbers are starting to come out and they sure are eye numbing.

I mean a young single person, 30 years old making 25 grand a year. He will see his premium rise from $50 bucks a month to $150. Might think that doesn't sound bad until you consider it is almost five percent of his yearly income.

Now, family of four making 60 grand a year. And I got to wonder, how can someone support a family of four on sixty grand? It is going to be tight. Hell, two teen boys and thirty percent of that sixty grand is going for food. They will see a premium increase from $250 a month to $600 a month. Dee Yam. $4200 a year more. For this family, it is going to be painful.

But now the big one. Middle aged couple, 45. Maybe new empty nest, kids all grown and raised. At the height of their careers. I am thinking self-employed plumbers, electricians. They make $125,000 a year. Which wasn't that much when the kids were in college, but now, grandkids coming, it is enough to live comfortably and do a little spoiling, after all, the house is paid for. Although that $885 month health insurance premium was hard, at your age, it was a bargain. Now, $2,918 month. Over $24,000 a year increase, over two grand a damn month.

If anything, this will probably be the death of the silver plans. They will descend into a death spiral. There will be some substitution, high deductible Bronze plans. But millions will just become frustrated and leave the risk pool. The three examples above the precise demographic you want IN the risk pool.

And to close this out, in researching this increase through BCBS I found that medical inflation, this year, THIS YEAR, will exceed any level since before the ACA--yes, Obamacare. So any claim Republicans make about "fixing" anything clearly means nothing, and any claim about the ACA causing massive health care inflation is comical.

Why did your Murder Cult write the bill that way? Why are they cutting off funding?

 

[Nostra]

 

[SassyIrishLass]

Turns out ObummerCare wrecked healthcare

Just as predicted

 

[Meister]

Turns out ObummerCare wrecked healthcare

Just as predicted

That's a fact, Winston should be thanking Barry for this debacle.

 

[DGS49]

Let's go back to Square One. When the Sovereign tells insurance companies what and whom they must cover, the game is lost. The Affordable Care Act was totally unconstitutional, and a pox on the USSC for not declaring that on its first go-around. They chose to nit-pick the specific provision that was challenged, finding that the penalty was actually a "tax," and leaving the American public with a horrible, unconstitutional, binding law.

If health insurers had the flexibility to do so, they would craft plans that made sense for different people and families, according to their needs. The premium for a healthy, single male could be very affordable indeed. They would NOT include in the general categories people with horrific, expensive diseases, thus driving up the premiums for everyone because of the unfortunate 3% of the population.

If Congress had mandated interstate competition among health insurers then competition would force insurers to take a close look at their offerings to maximize the number of clients. If Congress had tackled tort reform, the overall situation wold be significantly better. ACA does neither.

So let's not presume that the ACA is the baseline and blame Republicans for not taking extraordinary steps to mitigate its disastrous results. This is a Democrat problem, from beginning to end.

 

[Independent thinker]

Federal premium help for ACA plans is changing | Blue Cross NC

Discover how changes to federal subsidies could impact your ACA health plan costs in 2026.

www.bluecrossnc.com

So the numbers are starting to come out and they sure are eye numbing.

I mean a young single person, 30 years old making 25 grand a year. He will see his premium rise from $50 bucks a month to $150. Might think that doesn't sound bad until you consider it is almost five percent of his yearly income.

Now, family of four making 60 grand a year. And I got to wonder, how can someone support a family of four on sixty grand? It is going to be tight. Hell, two teen boys and thirty percent of that sixty grand is going for food. They will see a premium increase from $250 a month to $600 a month. Dee Yam. $4200 a year more. For this family, it is going to be painful.

But now the big one. Middle aged couple, 45. Maybe new empty nest, kids all grown and raised. At the height of their careers. I am thinking self-employed plumbers, electricians. They make $125,000 a year. Which wasn't that much when the kids were in college, but now, grandkids coming, it is enough to live comfortably and do a little spoiling, after all, the house is paid for. Although that $885 month health insurance premium was hard, at your age, it was a bargain. Now, $2,918 month. Over $24,000 a year increase, over two grand a damn month.

If anything, this will probably be the death of the silver plans. They will descend into a death spiral. There will be some substitution, high deductible Bronze plans. But millions will just become frustrated and leave the risk pool. The three examples above the precise demographic you want IN the risk pool.

And to close this out, in researching this increase through BCBS I found that medical inflation, this year, THIS YEAR, will exceed any level since before the ACA--yes, Obamacare. So any claim Republicans make about "fixing" anything clearly means nothing, and any claim about the ACA causing massive health care inflation is comical.

I totally agree that Obamacare has been a very major disaster, unable to even function without charging healthcare off to the national debt.

 

[initforme]

Who wants to live in NC? Nope.

 

[Nostra]

Federal premium help for ACA plans is changing | Blue Cross NC

Discover how changes to federal subsidies could impact your ACA health plan costs in 2026.

www.bluecrossnc.com

So the numbers are starting to come out and they sure are eye numbing.

I mean a young single person, 30 years old making 25 grand a year. He will see his premium rise from $50 bucks a month to $150. Might think that doesn't sound bad until you consider it is almost five percent of his yearly income.

Now, family of four making 60 grand a year. And I got to wonder, how can someone support a family of four on sixty grand? It is going to be tight. Hell, two teen boys and thirty percent of that sixty grand is going for food. They will see a premium increase from $250 a month to $600 a month. Dee Yam. $4200 a year more. For this family, it is going to be painful.

But now the big one. Middle aged couple, 45. Maybe new empty nest, kids all grown and raised. At the height of their careers. I am thinking self-employed plumbers, electricians. They make $125,000 a year. Which wasn't that much when the kids were in college, but now, grandkids coming, it is enough to live comfortably and do a little spoiling, after all, the house is paid for. Although that $885 month health insurance premium was hard, at your age, it was a bargain. Now, $2,918 month. Over $24,000 a year increase, over two grand a damn month.

If anything, this will probably be the death of the silver plans. They will descend into a death spiral. There will be some substitution, high deductible Bronze plans. But millions will just become frustrated and leave the risk pool. The three examples above the precise demographic you want IN the risk pool.

And to close this out, in researching this increase through BCBS I found that medical inflation, this year, THIS YEAR, will exceed any level since before the ACA--yes, Obamacare. So any claim Republicans make about "fixing" anything clearly means nothing, and any claim about the ACA causing massive health care inflation is comical.

The Republicans are under no obligation to fix the clusteruck Dimwinger forced on America, especially in a CR.



A CR is simply an appropriation of funds for programs that have already been negotiated, voted on, passed, and signed into law.

This is not a place to try to start new spending or programs. In fact, new spending is PROHIBITED in a CR.


Summary

The program activities of most federal agencies are generally funded on an annual basis through the enactment of regular appropriations acts. When those annual appropriations acts are not enacted by the beginning of the fiscal year (October 1), one or more continuing appropriations acts (commonly known as continuing resolutions or CRs) may be enacted to provide temporary funding to continue certain programs and activities until action on the regular appropriations acts is completed.

There are six main features of CRs.

First, CRs have provided funding for certain activities (coverage), which are typically specified with reference to the prior fiscal year's appropriations acts.

Second, CRs provide budget authority for a specified duration of time. This duration may be as short as a single day or as long as the remainder of the fiscal year.

Third, in recent practice, CRs have typically provided funds based on an overall funding rate rather than in specified amounts.

Fourth, the use of budget authority provided in the CR has been prohibited for new activities not funded in the previous fiscal year.

Fifth, the duration and amount of funds in the CR, and purposes for which they may be used for specified activities, may be adjusted through anomalies.

Sixth, legislative provisions—which create, amend, or extend other laws—have been included in some instances.


https://www.congress.gov/crs-product/R46595

 

[Winston]

30 years old making 25 grand a year in NC?

LOL....You started off bogus and went downhill from there.


The average income for a 30-year-old male in North Carolina is approximately $60,333 for full-time, year round workers. The median income for all workers aged 15 years and older in North Carolina is $44,058 for males. Additionally, the average salary for full-time workers in North Carolina is $74,644.
Forbes

Average has nothing to do with this. Are there 30 year olds in North Carolina making 25 grand? Sure.

Comical? You should have used your AI bot today Winston.... You just demonstrated massive inflation in the ACA so what the hell are you talking about? What people will now see is what the ACA has always been.

Health Care Inflation in the United States (1948-2026)

The average price of health care in the United States increased by 3.2% in the 12 months ended January, matching the previous increase in December, according to inflation data released February 13, 2026 by the U.S. Labor Department's Bureau of Labor Statistics (BLS). The cost of health care is a...

www.usinflationcalculator.com

Sorry, but the numbers just don't bear that out, and it stands to reason. Millions of people, yes, often times taking advantage of those subsidies, joined the health care risk pool that have otherwise remained outside that pool. In many other cases, people were able to join larger pools that were previously unavailable. In both cases, the health risk was further diversified and thereby lowered costs.

The ACA significantly lowered the rate of health care inflation, especially in the early years. Funny, the highest yearly increase since the ACA was passed is going to be this year. That was fifteen years ago. If these subsidies are not extended it could initiate a death spiral as healthy people choose to leave the risk pool and unhealthy people with chronic conditions become "locked in" to increasing rising premiums.

 

[Winston]

Let's go back to Square One. When the Sovereign tells insurance companies what and whom they must cover, the game is lost. The Affordable Care Act was totally unconstitutional, and a pox on the USSC for not declaring that on its first go-around. They chose to nit-pick the specific provision that was challenged, finding that the penalty was actually a "tax," and leaving the American public with a horrible, unconstitutional, binding law.

If health insurers had the flexibility to do so, they would craft plans that made sense for different people and families, according to their needs. The premium for a healthy, single male could be very affordable indeed. They would NOT include in the general categories people with horrific, expensive diseases, thus driving up the premiums for everyone because of the unfortunate 3% of the population.

If Congress had mandated interstate competition among health insurers then competition would force insurers to take a close look at their offerings to maximize the number of clients. If Congress had tackled tort reform, the overall situation wold be significantly better. ACA does neither.

So let's not presume that the ACA is the baseline and blame Republicans for not taking extraordinary steps to mitigate its disastrous results. This is a Democrat problem, from beginning to end.

What disastrous results? I mean I am not seeing it. I will see my health insurance premiums go down next year. Group plan, employer provided, and my youngest just aged out. But between my company contribution and my contribution, well the cost is the same it was twenty years ago. Albeit the plans sure are different. But structured right, and proper year to year plan, you can make them the same. I utilize an HSA.

I can remember the health care system, before the ACA, and after, from a professional standpoint at multiple points of contact. And from a personal viewpoint, helping my aging parents and my children just becoming parents. It is way better now, in many ways. And yes, we have lost many things. But times change.

 

[TimFitz]

Average has nothing to do with this. Are there 30 year olds in North Carolina making 25 grand? Sure.

Health Care Inflation in the United States (1948-2026)

The average price of health care in the United States increased by 3.2% in the 12 months ended January, matching the previous increase in December, according to inflation data released February 13, 2026 by the U.S. Labor Department's Bureau of Labor Statistics (BLS). The cost of health care is a...

www.usinflationcalculator.com

Sorry, but the numbers just don't bear that out, and it stands to reason. Millions of people, yes, often times taking advantage of those subsidies, joined the health care risk pool that have otherwise remained outside that pool. In many other cases, people were able to join larger pools that were previously unavailable. In both cases, the health risk was further diversified and thereby lowered costs.

The ACA significantly lowered the rate of health care inflation, especially in the early years. Funny, the highest yearly increase since the ACA was passed is going to be this year. That was fifteen years ago. If these subsidies are not extended it could initiate a death spiral as healthy people choose to leave the risk pool and unhealthy people with chronic conditions become "locked in" to increasing rising premiums.

Bear in mind that not one of the right winger on this thread have any idea of how health insurance works (and why it doesn’t manage costs at all), much less any understanding of how the ACA works.

The program has been very successful. Medical cost inflation significantly slowed. 40 million people got health insurance for the first time.

Trump’s BBBill is aimed at getting all these people kicked off, and charged usury rates.

 

[TimFitz]

Let's go back to Square One. When the Sovereign tells insurance companies what and whom they must cover, the game is lost. The Affordable Care Act was totally unconstitutional, and a pox on the USSC for not declaring that on its first go-around. They chose to nit-pick the specific provision that was challenged, finding that the penalty was actually a "tax," and leaving the American public with a horrible, unconstitutional, binding law.

If health insurers had the flexibility to do so, they would craft plans that made sense for different people and families, according to their needs. The premium for a healthy, single male could be very affordable indeed. They would NOT include in the general categories people with horrific, expensive diseases, thus driving up the premiums for everyone because of the unfortunate 3% of the population.

If Congress had mandated interstate competition among health insurers then competition would force insurers to take a close look at their offerings to maximize the number of clients. If Congress had tackled tort reform, the overall situation wold be significantly better. ACA does neither.

So let's not presume that the ACA is the baseline and blame Republicans for not taking extraordinary steps to mitigate its disastrous results. This is a Democrat problem, from beginning to end.

“When the Sovereign tells insurance companies what and whom they must cover, the game is lost.”

In fact, the “sovereign” does decide what will be paid for (or covered), in 35 out of 36 developed countries.

As a result the vast collection of rent seekers, mini cartels, and middlemen don’t exist elsewhere. No other country has medical bankruptcies, or people getting college degrees in medical bill coding.

Oh, and they pay less than half what it costs you, with no deductibles or co pays.

But, you clearly don’t want that.

 

[Winston]

Bear in mind that not one of the right winger on this thread have any idea of how health insurance works (and why it doesn’t manage costs at all), much less any understanding of how the ACA works.

The program has been very successful. Medical cost inflation significantly slowed. 40 million people got health insurance for the first time.

Trump’s BBBill is aimed at getting all these people kicked off, and charged usury rates.

How health insurance works. It is really pretty simple. So, you got this health insurance plan. I call it a "room", the industry calls it a "pool". You only diversify your health insurance risk, which is all insurance is anyway, diversifying risk, with the people in the same room with you. The same pool.

In the individual market, prior to the ACA, those pools could be defined to a single zip code, and for those non-market plans, they still do. I have seen cases where the risk pool was exactly one person. At that point, insurance just becomes a monthly payment plan for health care costs, with a stiff fee.

Two things happened within the ACA that changed the dynamics of the health insurance marketplace. First, people could move to a larger room, a bigger pool. And best of all, one that was becoming populated by low risk healthy individuals. Those were the people already self-employed.

But then, there are the hanger ons. The ones working a job simply for the health insurance because they have no other option. Now, they have options, and they leave. That takes risk out of the remaining pool, the remaining people in the room, and keeps premium increases to a lower level.

It really was a win win for the American people. The insurance companies, not so much, but they more than made up with Medicare Advantage. Now they want their cake and to eat it too.

 

[ThisIsMe]

Federal premium help for ACA plans is changing | Blue Cross NC

Discover how changes to federal subsidies could impact your ACA health plan costs in 2026.

www.bluecrossnc.com

So the numbers are starting to come out and they sure are eye numbing.

I mean a young single person, 30 years old making 25 grand a year. He will see his premium rise from $50 bucks a month to $150. Might think that doesn't sound bad until you consider it is almost five percent of his yearly income.

Now, family of four making 60 grand a year. And I got to wonder, how can someone support a family of four on sixty grand? It is going to be tight. Hell, two teen boys and thirty percent of that sixty grand is going for food. They will see a premium increase from $250 a month to $600 a month. Dee Yam. $4200 a year more. For this family, it is going to be painful.

But now the big one. Middle aged couple, 45. Maybe new empty nest, kids all grown and raised. At the height of their careers. I am thinking self-employed plumbers, electricians. They make $125,000 a year. Which wasn't that much when the kids were in college, but now, grandkids coming, it is enough to live comfortably and do a little spoiling, after all, the house is paid for. Although that $885 month health insurance premium was hard, at your age, it was a bargain. Now, $2,918 month. Over $24,000 a year increase, over two grand a damn month.

If anything, this will probably be the death of the silver plans. They will descend into a death spiral. There will be some substitution, high deductible Bronze plans. But millions will just become frustrated and leave the risk pool. The three examples above the precise demographic you want IN the risk pool.

And to close this out, in researching this increase through BCBS I found that medical inflation, this year, THIS YEAR, will exceed any level since before the ACA--yes, Obamacare. So any claim Republicans make about "fixing" anything clearly means nothing, and any claim about the ACA causing massive health care inflation is comical.

Wait wait wait wait.....a person making 125k a year will see a $24000 per year INCREASE? So what are their premiums now, if the INCREASE is 24k. Who the hell making 125k per year is spending over $30,000 per year in Healthcare premiums?? Are they having solid gold hip replacements or something? Good grief. And how much are these subsidies that people are getting? How much were the ACA premiums before the enhanced tax credits??

Im not sure i buy that one. If that is their increase, then the ACA is freaking more expensive than private insurance.