CHARLOTTE, N.C. — Beginning next year, people in North Carolina who depend on Affordable Care Act health insurance may face significant price increases. Some of the biggest insurers in the state are reportedly demanding huge rate hikes for 2026, with AmeriHealth Caritas North Carolina asking for a 36% rise, Blue Cross Blue Shield of North Carolina seeking a 29% hike, and Cigna HealthCare of North Carolina aiming for a 27% hike, according to WBTV.
Why Rates Could Spike
As federal subsidies for Affordable Care Act plans are about to expire at the end of 2025, the proposed increases were submitted to the North Carolina Department of Insurance. The monthly rates for many policyholders would increase by hundreds of dollars in the absence of those subsidies.
Increasing medical expenses are another significant concern, according to Fredrick Fisher, president of the Fisher Consulting Group. According to Fisher, a lot of medications, medical supplies, and equipment are arriving from abroad. The consumer is ultimately responsible for paying tariffs because we are not producing things here.
Expert Advice for Consumers
Fisher advises customers to compare plans during the open enrollment period in order to find the most affordable one, provided that the proposed increases are granted. He went on to say that greater deductibles can occasionally balance premium hikes, so if you can afford them, go for them.
Timeline for Changes
On January 1, 2026, the proposed rate increases would go into effect. Public feedback may have an impact on the final approved rates as the Department of Insurance reviews the files.
Are you worried about how much ACA plans are becoming in North Carolina? Post your ideas and preparation strategies atSaludaStandard-Sentinel.com.
