“Health insurance in America is very expensive, because health care is very expensive,” said Katherine Baicker, a health economist who is the provost at the University of Chicago. “And that’s true in every market. What’s different is who is writing the check, and how easily perceived the full cost is to the individual who is being insured.”

Many states have shown rising premiums ahead of open enrollment for Affordable Care Act plans. The government shutdown is driven by Democrats and Republicans being far apart on the issue of extended subsidies.

A new poll finds most U.S. adults are worried about health care becoming more expensive. That comes as Americans make decisions about next year’s health coverage and a government shutdown keeps future health costs in limbo for millions.

An analysis of current employer plans finds that the average cost to insure an American family hit nearly $27,000 this year, with average employee contributions to that bill being $7,000 a year. Family premiums are up 6 percent, or $1,408, from last year, while inflation only rose 2.7 percent and wage growth only rose 4 percent.

Larger employers typically offer a higher floor for coverage, but smaller firms are more likely to pay employee premiums in full.