Health insurance is getting more expensive for almost everyone next year, while coverage shrinks — bad news for people with private plans, Medicare, or marketplace coverage.

• Monthly premiums for ACA marketplace plans are set to jump by roughly $930 a year.
• States running their own enrollment platforms will see even higher increases.
• About 20 million Americans buy coverage through the federal marketplace and will feel this directly.
• People are paying more but getting less coverage in return.
• Subsidies and tax credits are still available to offset costs, with eligibility details on healthcare.gov.

Outlook: Premiums are expected to keep climbing, so checking subsidy eligibility now will matter more than ever during enrollment.