PlansByState

Insulation Contractors Health Insurance in North Carolina

Benchmark $660/mo · ranked 8 of 23 · median wage $45,150

Prefer to talk? Call (713) 575-9904

Licensed Independent Agent · NPN #22052447 · 23 States

The benchmark premium for a 40-year-old in North Carolina is $660 a month for 2027, ranking 8 of 23 states published here. BLS reports a median annual wage of $45,150 for Insulation Workers, Floor, Ceiling, and Wall in North Carolina.

Wage benchmark and the 2027 subsidy cliff

$45,150median annual wage, Insulation Contractors in North Carolina
283%of the federal poverty level
$63,8402027 subsidy cliff, single-person household

Below the cliff. At this income a single-person household remains eligible for a premium tax credit in 2027.

This occupation is below the cliff in all 23 states reported.

Median annual wage by state, Insulation Workers, Floor, Ceiling, and Wall400% FPL — $63,840Nevada$61,920Mississippi$60,930Maryland$58,870Ohio$56,640Wisconsin$54,640Indiana$50,510Illinois$49,840Colorado$48,630Florida$48,350Utah$48,330Texas$48,010Alabama$47,260Kansas$46,710Georgia$45,900South Carolina$45,880Oklahoma$45,730Michigan$45,700Arkansas$45,220Tennessee$45,170North Carolina$45,150Nebraska$44,560Virginia$44,290South Dakota$40,190

What this figure is. It is the median annual wage BLS reports for Insulation Workers, Floor, Ceiling, and Wall (SOC 47-2131) 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 insulation contractor. 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 2027 the 400% FPL limit applies again, so household income above $63,840 ends premium tax credit eligibility outright.

Sources
  1. U.S. Bureau of Labor Statistics. Occupational Employment and Wage Statistics, May 2024. State-level annual median wage (A_MEDIAN), detailed occupation. https://www.bls.gov/oes/. Retrieved 2026-08-03. Figures used unmodified; suppressed cells are omitted, not estimated.
  2. U.S. Department of Health and Human Services. Annual Update of the HHS Poverty Guidelines. 91 FR 1797, 15 January 2026. https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines. Retrieved 2026-09-27. The 2026 guidelines govern premium tax credit eligibility for plan year 2027 coverage. The 2027 guidelines apply to 2028 coverage.
  3. Full dataset for all occupations and states: CSV · JSON (CC BY 4.0).

All 23 states

Benchmark premium and median wage for this occupation, ranked by premium.

#StateBenchmark @40Median wagevs cliff
1Maryland$491$58,870below
2Indiana$537$50,510below
3Virginia$549$44,290below
4Nevada$565$61,920below
5Michigan$595$45,700below
6Ohio$603$56,640below
7Colorado$615$48,630below
8North Carolina$660$45,150below
9Oklahoma$686$45,730below
10South Carolina$702$45,880below
11South Dakota$704$40,190below
12Illinois$707$49,840below
13Alabama$712$47,260below
14Utah$716$48,330below
15Wisconsin$720$54,640below
16Georgia$733$45,900below
17Texas$737$48,010below
18Florida$738$48,350below
19Kansas$748$46,710below
20Arkansas$757$45,220below
21Nebraska$780$44,560below
22Tennessee$796$45,170below
23Mississippi$814$60,930below

Questions

How much does an insulation contractor make in North Carolina?
The BLS median wage for Insulation Workers, Floor, Ceiling, and Wall in North Carolina is $45,150 a year (May 2024). Starting pay — the 10th percentile — is about $30,200. The middle half earn $35,710 to $50,730, and the top 10% more than $61,830. BLS counts about 1,280 people doing this work for an employer in North Carolina. The self-employed are not in the BLS survey, so this is the going rate for the work, not your own number.
Does being a insulation contractor change what health insurance costs in North Carolina?
No. Under the ACA carriers may not rate, decline, or exclude based on occupation or health history. Premiums vary only by age, ZIP code, tobacco use and household size, so the benchmark of $660 a month applies regardless of trade.
Do insulation contractors qualify for a subsidy in North Carolina in 2027?
Premium tax credit eligibility depends on household modified adjusted gross income and household size, not occupation. For reference, the BLS median wage for Insulation Workers, Floor, Ceiling, and Wall in North Carolina is $45,150, which is below the 2027 cliff of $63,840 for a single-person household. Your own income and household size decide the answer.
What is the benchmark premium in North Carolina for 2027?
$660 a month for a 40-year-old, ranking 8 of 23 states published here. That is full price before any premium tax credit.
Where do these numbers come from?
Premiums come from the CMS Plan Year 2027 Qualified Health Plan Landscape file and published state rate approvals. Wages come from the U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2024. Both are reproduced unmodified; the full wage dataset is downloadable as CSV or JSON.

Going deeper on North Carolina

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.

← Insulation Contractors in all states · All trades · All occupations

How North Carolina compares with every other state →

Want this worked out for your ZIP?

Put your ZIP code in and a licensed agent 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 a licensed agent — not a call center.

See what it costs where you live →

Insulation Contractors in North Carolina: choosing a 2027 plan

The 2027 plans are posted: 5 carriers across 100 North Carolina counties, down from 6 in 2026. Carriers file county by county, so the statewide count only tells you so much.

The benchmark Silver plan — the one tax credits are measured against — costs $694 a month for a 40-year-old in the median North Carolina county in 2027, a 1.2% rise.

The window runs from November 1, and December 15 is the deadline for coverage that starts January 1 — in North Carolina and on every marketplace.

PPOs are sold in 90 of North Carolina’s 100 counties for 2027. Whether yours has one decides how much out-of-network care a plan will pay toward.

Worth settling before December 15

The 2027 plans are posted and the deadline for a January 1 start is December 15. Ten minutes with your ZIP code settles which plan still fits.

Enter a ZIP and a licensed agent will tell you three things:

Compare my 2027 options →

See what you would really pay as one of North Carolina’s Insulation Contractors

The sticker price is rarely what Insulation Contractors in North Carolina end up paying. Start with a ZIP and a licensed agent will work out your actual number.

Takes about 30 seconds. No account, and you choose how you are reached.

“I run my own business and my time is valuable. Daniel handled everything — compared the private options, explained what I was actually getting, and had me covered fast. Way better experience than trying to navigate it myself.”
Mark T., client