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Any discussion about rising prices in 2021 must start with the cost of health care. Insurers that participate in the Affordable Care Act marketplace announced average premium rate increases of 8.4% in the coming year. They expect the cost of health care to rise for two reasons. First is the direct cost of testing and treating millions of COVID-19 patients. The second is more indirect: Waves of people put off regular care in 2020, which will lead to more visits to more medical professionals in 2021 as those who deferred care last year race to catch up. Many of those who did postpone care and checkups will become sicker and more expensive to treat.