Insurance is hard, because every state has different insurance companies with different plans and prices, and different age groups have different prices. Unless I can find a website that has compiled averages for multiple years, there's just no good way to get these numbers. And the ACA didn't exist before 2014, which makes it even more impractical, and the comparisons even less useful (because the market changed so much).
So I'll do 2015 to 2025 instead.
Silver plan for 25-year-old in California: $255 to 280 / 377.46 to 414.47 / 470 to 606 (higher than predicted)
Way higher, but I'm not going to try to do the math for the same reason as above. Fortunately, someone else already did.
Home phone prices are pretty much impossible to make sense of. Bills have skyrocketed over the last couple of decades, but that's because almost everybody dropped service and moved to VoIP, so now the phone companies have fewer people paying for the same amount of maintenance. Around here, a usable home phone service from the phone company is probably $65 per month.
Meanwhile, I'm paying somewhere around ten for VoIP because at some point I decided that paying $50+ for something that I barely use was ridiculous. VoIP prices haven't moved up much in the decade or so that I've been using it, so way less than inflation. And a lot of people get bundled voice service from their cable company or ISP now. And a lot of people no longer even get home phone service.
Internet service has grown atless than 2% most years.
Average cell phone price (JD Power): $71 / $128 / $141 (faster)
But that's not the whole picture. The average grew faster than inflation, but a lot of folks have added extra lines for smart watches. And in 2010, only about a third of people owned smartphones. Today, it's 98%. So nearly everyone has plans with data now, while the basic phone plans from 2010 did not provide data. And a lot of folks do more of their Internet use on phones, which means the amount of data that the average person uses is much, much higher, which drives up the cost of providing the service.
I suspect if you looked at an equivalent plan in both years, it probably grew at or below 4% annually. Or at least mine did. Even factoring in adding my Apple Watch, it barely grew faster than 4%, because I had a smartphone plan in 2010. If I still had only the cell phone, it would have been *way* less than 4% annually.
Electric Bills (not just kw/h)
This is hopelessly regional. Some people use way more power than they did in 2010 because of higher heating and cooling consumption. Some use less for the same reason. And I can't find numbers for 2025 that are national. The best I can find is the projected numbers from late 2024 based on expected price increases. But if we believe those numbers:
That said, annual average for the U.S. based on projected numbers for 2025 from late 2024: $1419 / 2,554 / 1,902 (way less than expected)
$2.83 / $5.09 / $3.10 (way less than expected)
A few more core food items Chicken, Beef, Bread, Broccoli
Food in general has been on the high side of inflation, I think, but still isn't usually all that much above the average.
cost of media (netflix was enough, not it's not and it went up in price too)
Netflix: $9.99 / $17.98 / $17.99 (exactly the same as inflation to within a reasonable margin of error)
The decision to use multiple providers is yours. You could dump one and switch to another every month if you want to save money.
Taxes (mine went up 3+ times since then, which was % base before so it really hurts)
That's not generally considered part of inflation. It's also extremely regional, and highly variable depending on how much you earn, how much you donate, etc. And computing an average cost for sales tax, property tax, federal and state income tax, Medicare and Social Security tax, tariffs, and all the other taxes that we pay directly or indirectly would be very nearly impossible even if I were the president of the United States and had access to raw IRS and import duty data.
But remember that you can influence this with your vote.
And, last but most important is wages!
That is unrelated to inflation. But I'll try anyway. Data for 2025 isn't out yet, so I'll use 2024.
Median U.S. household income: $49,445 / $85,622 / $83,730 (only slightly less than expected)