The UK has been hit with a major crisis over the cost of covering a family with three or more members in their prime working years.
The country is facing a shortage of coverage as many people face the prospect of paying more than the government set limits on premiums.
The government has said it will cut the premium cap for 2017-18 from £9,936 to £6,819, which will mean that families with a combined income of £60,000 will be paying a maximum of £6.5,000 more a year.
The changes are expected to save the average household £3,000 a year, according to the government.
But the BBC has discovered that this figure could be substantially higher as some households in the poorest 50% of the UK will be forced to pay more.
This article was produced by The Current and is reproduced here under a Creative Commons license with attribution to Alix Dobson and Jeremy Evans, with additional reporting by Alix Dombrowski and Jeremy Clements.
The Current is funded by the Department for Business, Innovation and Skills, Government Digital Service.