Benchmark $638/mo · ranked 12 of 21 · median wage $32,630
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The benchmark premium for a 40-year-old in North Carolina is $638 a month for 2026, ranking 12 of 21 states published here. BLS reports a median annual wage of $32,630 for Janitors and Cleaners, Except Maids and Housekeeping Cleaners in North Carolina.
Below the cliff. At this income a single-person household remains eligible for a premium tax credit in 2026.
This occupation is below the cliff in all 21 states reported.
What this figure is. It is the median annual wage BLS reports for Janitors and Cleaners, Except Maids and Housekeeping Cleaners (SOC 37-2011) in North Carolina. BLS surveys wage and salary workers and excludes the self-employed, so it is a benchmark for the occupation in this state — not the income of a self-employed commercial cleaner. Premium tax credit eligibility is set by household modified adjusted gross income and household size, not by occupation, so treat this as a reference point rather than a determination of what you qualify for.
Why the cliff is back. The enhanced premium tax credits expired on 31 December 2025. For plan year 2026 the 400% FPL limit applies again, so household income above $62,600 ends premium tax credit eligibility outright.
Benchmark premium and median wage for this occupation, ranked by premium.
| # | State | Benchmark @40 | Median wage | vs cliff |
|---|---|---|---|---|
| 1 | Maryland | $414 | $36,090 | below |
| 2 | Virginia | $455 | $33,970 | below |
| 3 | Indiana | $474 | $35,240 | below |
| 4 | Nevada | $497 | $36,480 | below |
| 5 | Ohio | $513 | $34,710 | below |
| 6 | Michigan | $523 | $35,000 | below |
| 7 | Colorado | $557 | $37,270 | below |
| 8 | South Carolina | $564 | $29,560 | below |
| 9 | Oklahoma | $604 | $30,590 | below |
| 10 | Wisconsin | $611 | $35,850 | below |
| 11 | Georgia | $615 | $33,130 | below |
| 12 | North Carolina | $638 | $32,630 | below |
| 13 | Utah | $640 | $30,390 | below |
| 14 | Alabama | $645 | $29,120 | below |
| 15 | Illinois | $646 | $37,010 | below |
| 16 | South Dakota | $655 | $33,940 | below |
| 17 | Texas | $661 | $31,230 | below |
| 18 | Kansas | $670 | $32,690 | below |
| 19 | Florida | $683 | $31,540 | below |
| 20 | Nebraska | $710 | $35,820 | below |
| 21 | Arkansas | $774 | $29,540 | below |
This page compares states. For North Carolina specifically — county-by-county carriers, plan data and enrollment help — that is published on Coverage by County. To check whether a plan actually covers your hospital, see Plans By City.
← Commercial Cleaners in all states · All trades · All occupations
Put your ZIP code in and I will show you the carriers filing in your county, what the cheapest plan costs, and what you would actually pay after any help you qualify for. No cost, and you talk to me — not a call center.
One of North Carolina’s 6 carriers is leaving. Cigna exits the individual market entirely on January 1, 2027, so if you are a commercial cleaner covered by them the question is not whether you switch but whether you choose the switch yourself.
Nobody can tell you your 2027 North Carolina premium yet. Filings nationally cluster around a 15% median increase, with the full spread running −1% to 54% — and until this state signs off, a specific local number is invention.
Mark November 1, 2026 to open and December 15 to act. That second date guarantees cover from January 1 in North Carolina regardless of how the current litigation over the enrollment window resolves.
Check before renewing: PPOs are sold in 90 of North Carolina’s 100 counties, not all. Whether yours has one decides how much out-of-network care is covered — usually a bigger question for Commercial Cleaners than the monthly figure.
You already know you are changing plans — Cigna is leaving. The only real question is whether you pick the replacement or the marketplace picks it for you, and that is a much easier decision made in August than in the second week of December.
Give me a ZIP and I will tell you three things:
The sticker price is rarely what Commercial Cleaners in North Carolina end up paying. Start with a ZIP and I will work out your actual number.