looks like you will pay even more.....and laziness has nothing to do with it...we all get sick or injured

1. Sicker sign-ups

In Tennessee, marketplace enrollees were a lot less healthy than insurers expected when they set their original rates in 2013. Covering their claims costs insurers a lot — so much that companies like BlueCross BlueShield lost millions of dollars in the first few years of the exchange. Raising the price of insurance is part of balancing how much it costs to insure these individuals.

Many people who use the marketplace to find coverage were previously uninsured. Before the Affordable Care Act, insurers were able to deny coverage to people with pre-existing conditions, which means if they didn’t have insurance at work, they weren’t able to find coverage at all. For example, an independent contractor with diabetes, or a part-time retail worker with pulmonary disease, might be denied coverage before the ACA.

A lot of people in that situation went without health insurance for many years, and their current state of health is not good. Many of these people are very expensive to cover now that they can get health insurance on the exchange.

2. Inflation of medical claims

Health insurance is used to pay for medical claims. Doctors and other providers submit claims to your insurer every time they perform a service for you, whether it’s a check-up, MRI or surgery. As the cost of performing those services gets more expensive, insurance has to get more expensive to cover it.

The prices of goods always rise as the economy grows, and health care is no exception. In fact, health care costs generally rise much faster than inflation. Specifically, health insurance costs in 2015 rose nearly 5 percent, according to the Bureau of Labor Statistics, while the economy as a whole grew just 2.4 percent.

3. Consumers are still learning

So why are health care costs rising so fast? That’s a tough question to answer succinctly. One reason is that patients are still learning how to act like consumers. Some people do not use healthcare responsibly or cost-effectively, and this raises prices for the whole system. These are people who go to the emergency room for non-emergencies, or people who do not receive preventive care in a timely manner.

The uninsured rate has an impact on this, too. Many people who do not have insurance cannot afford to manage their conditions, like asthma or diabetes. They might not visit the doctor for check-ups or be able to afford to buy their insulin. Then they wind up in the ER in a diabetic coma, which costs a lot more to treat. These are just individual examples, but they happen every day, and it adds up.

All of this culminates in pricey premiums for consumers. Without drastic change to how people use insurance and health care, prices are likely to keep rising.

- See more at: Three reasons for rising health insurance premiums