The Department of Health and Human Services just released data on premiums for Obamacare’s 2017 plans, and it’s not pretty. On average, premiums will increase 22 percent. It’s rate shock, but not shocking to those who’ve followed the news about financial losses and insurer exits in the increasingly dysfunctional Obamacare exchanges.

This premium hike will affect more people than is obvious at first glance. The biggest losers are Americans who must either buy Obamacare plans with no subsidy or pay a penalty. While 22 percent is the national average premium hike, there are some markets where customers will face premium spikes of more than 100 percent.