The health insurance industry in America has been plagued by rising costs over the last few years.
The average American pays about $15,000 a year for their own health insurance and $23,000 for their employer’s, according to the U.S. Census Bureau.
But when you consider that many of these companies are based in areas that are poor and black, it’s easy to understand why many are looking for more money.
According to a study by researchers at the RAND Corporation, there are some insurers who charge more than others for coverage in areas with higher poverty rates.
In other words, they charge more for coverage that doesn’t really make sense.
“There’s a tendency to think that when the economy goes down, you’re going to have more affordable coverage,” said Timothy C. Covington, a professor of health policy at the University of Texas Health Science Center at Houston.
“But we know that’s not true.”
The Affordable Care Act mandates that all Americans get health insurance.
But because of high premiums, many Americans are unable to afford to get insurance and have to find other ways to pay for health care.
A 2014 study by Kaiser Health News found that more than 1 in 5 Americans in their 50s who are self-employed or who work part time have less than $5,000 in the bank for health insurance coverage.
And more than half of the uninsured in their 30s are unemployed, according the report.
“We’re talking about millions of Americans who are having to do everything they can to save money and don’t have a lot of options,” said Mark Dubowitz, president and CEO of the Institute for Health Policy and Economics.
In a survey of more than 500 American insurance plans by the Kaiser Family Foundation, 75 percent of the plans said they would increase their premium to cover more of the cost of care, including a 20 percent increase in the cost-sharing formula, the amount people pay for their out-of-pocket costs.
The increase in premiums is the first sign that the Affordable Care and Medicare act of 2010, known as Obamacare, is starting to have an effect on the health insurance market, as many Americans who had health insurance before the law took effect have seen their costs skyrocket.
The law requires insurers to offer coverage that is “affordable,” meaning it must cover people at least 80 percent of their costs.
Premiums in some areas have risen by more than 30 percent in the last year, according and research by the Washington, D.C.-based Kaiser Family Health Plan, which has a contract with the Department of Health and Human Services to provide health insurance for people across the country.
The new rates also include a new charge that’s been added to all of the insurance plans, the government-funded program known as premium support.
That charge, known to some as the COBRA surcharge, is $1.70 a month for the first month and $1 a month after that.
Premium support is designed to help offset costs of paying for health coverage.
For example, a person with $20,000 of medical bills will pay $1,200 per month in premiums, a $2,000 surcharge and an additional $1 for each additional $20 of medical expenses.
That means that someone with $10,000 worth of medical costs will pay about $5 a month in premium support and $4.50 a month thereafter.
But a $20 million-plus person would pay $23 a month, or about $1 billion per year.
The surcharge is only for the individual market, so the number for the state and local markets is slightly different.
In states like Kentucky, for example, the surcharge increases with the amount of health care expenses covered.
In some states, like Massachusetts, the difference is even more pronounced, with some plans charging more than $20 a month.
But the overall effect of the surbates is that people are paying more for their health insurance as they look to keep costs down.
This year, the Kaiser Health Foundation and others have found that the increase in health care costs is making some insurers increasingly desperate.
In addition to being unable to continue offering plans that are affordable for many, insurers are also trying to find ways to raise their premiums to cover the cost growth.
Some insurers are even pushing the boundaries of what is reasonable.
The new surcharges are the most drastic increase that has been made in the health plan industry in years, according, and some insurers are asking their customers to pay more than they already do to offset the cost.
The Kaiser Family Foundations study found that nearly half of insurers surveyed would be willing to charge customers an extra $1 per month for an additional year of coverage.
For a family with an annual income of $75,000, that would be $3,000 per year, which is nearly double the average rate of $2 per month.
For the average family with two