FILE — An individual receives a COVID-19 vaccine shot from a health care worker at a vaccination site in San Francisco, Monday, Feb. 8, 2021. After putting off routine health care for much of the pandemic, Americans are now returning to the doctor's offices in big numbers, a trend that's starting to show up in higher insurance rates across the country. Health insurers in individual marketplaces across 13 states and Washington D.C. will raise rates an average of 10% next year. California officials, on Tuesday, July 19, 2022 announced health insurance rates would increase an average of 6% for the 1.7 million people who purchase coverage through the state run health insurance marketplace, Covered California. (AP Photo/Haven Daley, File)