Benchmark $638/mo · ranked 12 of 21 · median wage $65,830
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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 $65,830 for Construction and Building Inspectors in North Carolina.
Above the cliff. At this income a single-person household receives no premium tax credit for 2026 and pays the full premium.
This occupation sits above the cliff in 15 of the 21 states reported and below it in the other 6, so the answer changes with the state.
What this figure is. It is the median annual wage BLS reports for Construction and Building Inspectors (SOC 47-4011) 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 home inspector. 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 | $71,990 | above |
| 2 | Virginia | $455 | $69,960 | above |
| 3 | Indiana | $474 | $63,750 | above |
| 4 | Nevada | $497 | $76,560 | above |
| 5 | Ohio | $513 | $70,890 | above |
| 6 | Michigan | $523 | $69,890 | above |
| 7 | Colorado | $557 | $78,940 | above |
| 8 | South Carolina | $564 | $60,050 | below |
| 9 | Oklahoma | $604 | $58,810 | below |
| 10 | Wisconsin | $611 | $70,700 | above |
| 11 | Georgia | $615 | $64,290 | above |
| 12 | North Carolina | $638 | $65,830 | above |
| 13 | Utah | $640 | $71,040 | above |
| 14 | Alabama | $645 | $61,500 | below |
| 15 | Illinois | $646 | $73,050 | above |
| 16 | South Dakota | $655 | $63,320 | above |
| 17 | Texas | $661 | $62,110 | below |
| 18 | Kansas | $670 | $61,850 | below |
| 19 | Florida | $683 | $65,340 | above |
| 20 | Nebraska | $710 | $70,730 | above |
| 21 | Arkansas | $774 | $52,970 | 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.
← Home Inspectors 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.
North Carolina loses a carrier this cycle: Cigna is out of the ACA individual market from January 1, 2027, leaving 5 filing here. For Home Inspectors that is a forced decision, and a better one made in November than in January.
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.
The window opens November 1, 2026, and December 15 is the date worth writing down — it is what secures January 1 cover in North Carolina and everywhere else. You will find later dates quoted; they stem from a 2025 rule that was vacated in June 2026 and is under appeal.
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 Home Inspectors 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 Home Inspectors in North Carolina end up paying. Start with a ZIP and I will work out your actual number.