Health insurance costs are expected to rise significantly next year, as federal subsidies are expiring at the end of this year and insurers are projected to have had their highest increase in the cost of covering care in 15 years. Much of the fight in Washington, D.C. that led to the federal government shutdown is over how the government funds health care, including over the subsidies expected to expire. In August, Massachusetts regulators approved market rate hikes, ranging from 7% to 14%, depending upon the insurer.