At a time when higher grocery bills and surging gas prices are taking big, toothy bites out of your paycheck, it can feel like everything suddenly costs more in America. But at least one item — a critically important one at that — has seen its cost fall for the third year in a row. A new report by the Urban Institute has found that the cost of health insurance plans sold on Obamacare marketplaces has shrunk each year since premiums rose dramatically in 2017 and 2018.