Without The Individual Mandate, The Affordable Care Act Would Still Cover 23 Million; Premiums Would Rise Less Than Predicted

摘要: Many policy analysts fear that eliminating the individual health insurance mandate and penalty from Affordable Care Act of 2010 would lead to a “premium spiral,” in which healthy people drop coverage, premiums soar, number with coverage plummet. However, there are other provisions law greatly mitigate this effect. For example, subsidies provided help purchase through exchanges restrain premium spiral by absorbing much impact increases. We estimate if were lifted, market increase 12.6 percent—somewhat less than estimates—with 7.8 million losing versus estimates for loss 16–24 million people. In sum, still cover 23 million who have been uninsured without law. Our study suggests although important effects on p...