Blue Cross previews 2015 rates

bcbsNorth Carolinians who will be re-enrolling or signing up for individual health insurance plans next month are getting a preview of 2015 rates today.

Blue Cross and Blue Shield of North Carolina announced Wednesday that consumers could expect to see a 13 percent increase on individual Affordable Care Act (ACA) plans. On the plus side, many of those customers will receive subsidies.

Rates for grandfathered and transitional plans will also see a double-digit increase next year.

Here’s more from the BCBSNC website:

“There are three distinct categories in the individual health insurance market, and each is affected differently,” said Patrick Getzen, BCBSNC vice president and chief actuary. “Rates are based on the population of each group and the medical services they use. There needs to be a mix of customers within each category to balance risk and expected costs.”

Some customers may see rate changes that vary significantly from the average increase for their group. Many ACA customers will benefit from federal subsidies that are available to qualified consumers based on household income. Several factors impact rates, including the population of the group and the medical services they are using.


Blue Cross will offer 35 plans in all, with consumers able to compare plans starting November 15th. The annual enrollment period runs from mid-November through Feb. 15, 2015.

Blue Cross and Blue Shield is North Carolina’s largest health insurer.


  1. michael baker

    October 24, 2014 at 7:03 am

    my wife and I have gross income just above the $62,000 threshold … this rate increase will move my insurance cost to approx $470.00 a month (single coverage)… with no preexisting conditions, I feel like I’m subsidizing everybody: young, old, sick and poor…. with no kids, we always seem to miss the sweet spot. Heck, politicians don’t even pander or promise to the poor saps stuck in our situation, they just take more…

  2. NChealthconnector

    October 24, 2014 at 10:31 am

    Michael, depending on exactly where your income is, you may qualify for a subsidy for 2015. The 2015 subsidy calculations will be based on 2014 FPL guidelines, which have increased the 2-person household threshold to $62,920. In addition, you may consider increasing pre-tax or non-taxable retirement contributions to reduce your modified adjusted gross income – check with a tax advisor to be certain. If you need help with finding coverage or understanding the subsidies, feel free to drop by our site. We will have 2015 rates available on November, along with an enrollment portal that connects directly to the marketplace and cuts down on the time needed to enroll.

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