Premiums for plans covering families increased even higher in 2017 — 20 percent higher than the prior year. The average for families selecting plans was $997 per month this year, which is 49 percent higher than in 2014, eHealth said.
The average deductible for a family plan sold on eHealth is now $8,322.
In 2017, the average premium for a plan covering a family of four is more than $14,300 annually — or $1,195 per month, the company said.
Scott Flanders, CEO of eHealth, said, "Anyone who still needs proof that health insurance costs are out of control should take a look at our 2017 Price Index Report."
"Middle-income Americans who purchase coverage on their own and do not qualify for subsidies under current law are straining under the burden of costs like these," Flanders said.
Flanders told CNBC that eHealth regularly does outreach to customers to gauge their experience buying coverage. And he routinely hears complaints about rising costs.
"It's hard to not be entirely sympathetic with them, because they're paying for coverage that they can't possibly use" in many cases, Flanders said, referring to the high deductibles often seen in the plans. "And they're not being subsidized, yet they are subsidizing others, and they're being priced out of the marketplace."
"Many of them are retirees living on fixed incomes," he said. "They've just been flabbergasted by these massive increases in premiums."
Obamacare, beginning in 2014, required nearly all Americans to have some form of health insurance coverage or pay a tax penalty. To facilitate compliance with that rule, the Affordable Care Act offered funding for states to expand their Medicaid programs to cover more poor adults than they had been covering.
The ACA also authorized the creation of government health exchanges, such as the federally run HealthCare.gov, and state-run marketplaces, to sell private plans to individuals and families who did not have insurance through a job, Medicare, Medicaid or other sources.
To help people who purchased plans on the exchanges, the ACA also offered federal tax credits, or subsidies, to lower the monthly premiums of those plans. But those subsidies are only available to people whose household income is between 100 percent and 400 percent of the federal poverty level, or $20,420 to $81,680 annually for a family of three.
Out of the 12.2 million people who selected an Obamacare plan during open enrollment for 2017 on one of the government exchanges, 10.1 million, or 83 percent, qualified for an advanced premium tax credit that lowered their monthly premium.
Those premiums, on average, had a dramatic effect — reducing premiums.
Federal data shows that while the average premium for a so-called silver plan sold on HealthCare.gov grew from $302 per month last year to $385 per month this year — a 27.5 percent increase — the average premium actually paid by a subsidized customer remained the same from year to year: $101 per month.
And while the average price of all HealthCare.gov plans spiked by 32 percent, from $290 per month to $383, the average actual premium paid by subsidized customers did not change. It was still $106 per month. The lack of change in actual money paid by customers reflects the fact that Obamacare subsidies adjust upward as premium prices rise.
But unsubsidized customers are bearing the full brunt of price hikes. More than 2 million people who did not qualify for subsidies made plan selections on government exchanges this year. And millions more bought plans outside of the exchanges. Only customers of plans sold on the exchanges can get subsidies.