I claim some medical expenses. My Medicare, supplemental and Part D add up to about $4320/yr and another 5-6 hundred in uncovered costs, so let's say $6K/yr for medical. What I'm reading is that the insurance companies are dealing with a destabilized revenue stream by Trump, the R states and Congress, and they are hedging the uncertainty with higher rates. This is a deliberate tactic on the part of the administration to destabilize the Affordable Care Act. Don't blame Obama, blame Trump and Republicans in Congress. They have engineered you premium surge. Your Congressmen, looking out for the citizens' best interest - NOT!