North Carolina's Blue Cross discusses what individuals will pay for coverage in 2015

North Carolina's largest health insurer says rates will rise by more than 13 percent on average next year for buyers of individual Affordable Care Act policies.

Blue Cross and Blue Shield of North Carolina discussed the prices Wednesday.

As an example, the insurer cited a typical rate for a 45-year-old man in the Raleigh area who doesn't smoke. Without a federal subsidy, the premium for such an individual would rise by $57 to about $420 per month for an ACA silver plan. Most customers receive subsidies.

Aside from ACA plans, the insurer is maintaining pre-existing plans that don't conform to the Affordable Care Act's requirements but customers wanted to keep. Rates for those plans will rise by an average of 13 to 19 percent, depending on when they were sold.