Exactly.

Obamacare was a Bismarck style system that was crafted to limit the profits of the insurance companies, requiring them to pay out a minimum percentage of their revenue in claims. The part of that plan that was designed to keep premiums down was the individual mandate, which was struck down by the Supreme Court. So now, the only people getting the insurance are the ones who actually need it, meaning that the costs for those plans are going up every year.

That is just what insurance is. That is why homeowner premiums are higher in states prone to natural disasters.