The first steps in Health Care Reform started taking effects on July 1, 2010 as the federal government started accepting applications for a high-risk pool. But a series of new studies shows that insurance premium costs and drug prices are still rising quickly. A recent Kaiser Family Foundation study found that people who were buying coverage on their own saw premiums jump an average of 20 percent over last year. A study by AARP found that drug prices for medications used by people on Medicare rose almost 10 percent over one year. What’s driving these costs?