He just learned his premiums are going up from $1,100 per month, to $1,700.

That means Imel could pay $20,000 next year for health insurance — an increase of 66 percent.

“The first job when I got out of school was $16,500,” Imel said. “You know that’s a lot of money.”

The Affordable Care Act requires every state to set up a marketplace for the uninsured or allow the federal government to do so.

But when some insurance providers back out of that market place, as some did in Fred Imel’s state, consumers pay more.