Benchmark $638/mo · ranked 12 of 21 · median wage $62,660
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Licensed Independent Agent · NPN #22052447 · 23 States
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 $62,660 for Real Estate Brokers 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 10 of the 18 states reported and below it in the other 8, so the answer changes with the state.
What this figure is. It is the median annual wage BLS reports for Real Estate Brokers (SOC 41-9021) 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 real estate broker. 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 | $82,500 | above |
| 2 | Virginia | $455 | $55,660 | below |
| 3 | Indiana | $474 | $76,330 | above |
| 4 | Nevada | $497 | $86,730 | above |
| 5 | Ohio | $513 | $45,850 | below |
| 6 | Michigan | $523 | $58,640 | below |
| 7 | Colorado | $557 | $79,400 | above |
| 8 | South Carolina | $564 | $54,300 | below |
| 9 | Oklahoma | $604 | — | — |
| 10 | Wisconsin | $611 | $63,690 | above |
| 11 | Georgia | $615 | — | — |
| 12 | North Carolina | $638 | $62,660 | above |
| 13 | Utah | $640 | $81,230 | above |
| 14 | Alabama | $645 | $62,000 | below |
| 15 | Illinois | $646 | $55,290 | below |
| 16 | South Dakota | $655 | — | — |
| 17 | Texas | $661 | $66,700 | above |
| 18 | Kansas | $670 | $40,930 | below |
| 19 | Florida | $683 | $63,440 | above |
| 20 | Nebraska | $710 | $47,170 | below |
| 21 | Arkansas | $774 | $63,890 | above |
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.
← Real Estate Brokers 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 Real Estate Brokers 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 Real Estate Brokers 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:
Rates for Real Estate Brokers in North Carolina are set by county, not by occupation. Start with your ZIP and I will show you the plans actually filed where you live.