North Carolinians Brace for Rising Health Insurance Costs in 2026

October 31, 2025 - 21:46

As the open enrollment period for health insurance through the Affordable Care Act (ACA) approaches on November 1, North Carolinians are facing the prospect of substantial increases in their healthcare expenses. Recent reports indicate that healthcare providers in the state are planning to raise premiums by an average of 28.6%. This significant hike is expected to impact approximately one million residents who rely on the ACA marketplace for their health insurance needs.

In addition to the rising premiums, the tax credits that help many enrollees afford their plans may also be reduced, compounding the financial burden. These changes come at a time when many families are already grappling with the effects of inflation and rising living costs.

Experts advise consumers to carefully review their options during the enrollment period, as the combination of higher premiums and potential reductions in financial assistance could lead to increased out-of-pocket expenses for many North Carolinians seeking coverage for their healthcare needs.