Premiums for the Affordable Care Act are set to rise by an average of 22 percent in 2017, and it can vary from state to state. But that doesn't necessarily mean everyone will be paying more.
Amin Rashid wasn't expecting to pay more for his health care premium next year, but he will be.
"I will be paying about yes about 55 dollars more per month," Rashid says. When asked how he felt about it Rashid says, "Not too great. Not too great but I still feel it's okay."
Most people, like Rashid, won't see the average hike. And many people won't see a hike at all.
"The same thing happened last year when the rates went up," says Luke Clarke works with Connect For Health Colorado. "For a lot of our customers their net payment went down."
Around 85 percent of people enrolled in the affordable care act get federal subsidies, which can lower their premium to less than ten percent of their income.
"Well it's based on affordability," Clarke says. " So a premium goes down if their are income is lower and the cost of insurance available to them is going up."
Clarke says subsidies are also based on age, income, family size and location. He says often people think they won't qualify for them so they don't apply.
"They assume they make too much money," Clarke says. " And they hear a lot about the premiums going up which is true but they are not aware of this program to help them absorb that increase."
Navigating health care and staying covered despite changing costs.
"It's a necessity," Rashid says. "I mean what do you do? You have to adjust because health insurance has got to be there."
Federal leaders say about 77 percent of people will be able to find a plan for $100 or less after subsidies.