(AP) — The nearly 400,000 people who buy their own health insurance in Michigan will see premiums rise by an average of 16.7 percent next year, a sticker shock that insurers and the government say can be offset for those who qualify for tax credits. The price spikes are being blamed on insurers' higher costs, primarily people submitting more claims than expected and the pending end of a federal re-insurance program that has protected insurers from substantial losses from high-cost enrollees. Notter identified three reasons for spiking costs, too — people not keeping their plan the whole year, specialty drug prices and younger, healthier adults deciding not to buy insurance and to instead pay a fee when they file their federal tax return. U.S.