If you get insurance through work, you don’t have to worry too much about this news. The health law is much bigger than just the Obamacare exchanges, and many of the new rules offer protections against having coverage that is too skimpy. Your health plan must cover basic services, like drugs and hospitalization; basic preventive services provided by your doctor, like a checkup, a flu shot or a mammogram, can be free.

But while you may feel as if you’re paying more for your medical care, premiums for employer-based insurance have been increasing at historically low rates. Premiums for the average single person in the employer market are the same this year as they were in 2015, according to a large survey of employers from the Kaiser Family Foundation; prices for most family plans are rising by 3 percent.

What has probably changed is the size of your deductible, which has been going up steadily. Employers have been shifting costs to their workers, a trend that began long before Obamacare went into effect.

Of course, federal tax dollars pay for the subsidies for low-income people who buy insurance in Obamacare markets — about $32 billion this year, according to the Congressional Budget Office. If premiums go up by more than 20 percent every year, that will put pressure on the federal budget.

People buying their own insurance should shop around for the best deal. Average numbers aren’t that useful to a person buying insurance in a particular place. If you already have Obamacare insurance or are buying it for the first time, you need to go to your state exchange website and look at the choices available to you. If you are eligible for a subsidy and willing to switch plans, your costs might actually go down.

If you’re not eligible for a subsidy and live in one of the places with big price spikes, finding affordable coverage may be more of a struggle. Wherever you are, if you’re on a budget, it pays to look at all the options and see whether there’s a plan that’s similar to yours and has a better price.

Even if you don’t want to shop, you may have to. Several large insurance carriers, like UnitedHealth Group and Aetna, have decided to exit many of the places where they had been offering policies.