North Carolinians Could See Sharp Rate Hikes on Affordable Care Act Plans in 2026
CHARLOTTE, N.C. — North Carolina residents who rely on Affordable Care Act health insurance could face major premium hikes starting next year. According to WBTV, some of the state’s largest insurers are seeking significant rate increases for 2026 — with AmeriHealth Caritas North Carolina requesting a 36% hike, Blue Cross Blue Shield of North Carolina seeking 29%, and Cigna HealthCare of North Carolina aiming for 27%.
Why Rates Could Spike
The proposed increases, filed with the North Carolina Department of Insurance, come as federal subsidies for ACA plans are set to expire at the end of 2025. Without those subsidies, many policyholders could see hundreds of dollars added to their monthly premiums.
Fredrick Fisher, president of the Fisher Consulting Group, says rising medical costs are also a major factor. “A lot of medical equipment, supplies, and drugs are coming in from overseas,” Fisher explained. “Because we are not manufacturing them here, tariffs ultimately are paid by the consumer.”
Expert Advice for Consumers
If the requested increases are approved, Fisher recommends that consumers shop around for the most competitive plan during the open enrollment period. “If you can afford it, take higher deductibles,” he added, noting that higher deductibles can sometimes offset premium increases.
Timeline for Changes
The proposed rate hikes would take effect January 1, 2026. The Department of Insurance is currently reviewing the filings, and public comments may influence the final approved rates.
Are you concerned about the rising cost of ACA plans in North Carolina? Share your thoughts and how you plan to prepare at SaludaStandard-Sentinel.com.
