tag:blogger.com,1999:blog-21392130.post7115057172849078593..comments2023-11-26T06:57:37.441-05:00Comments on "The Lid": BREAKING: Joe Manchin Working on Bill Delaying Individual Mandate For a YearAnonymoushttp://www.blogger.com/profile/14337861108761350581noreply@blogger.comBlogger1125tag:blogger.com,1999:blog-21392130.post-34374936268026815032013-10-24T03:54:36.963-04:002013-10-24T03:54:36.963-04:00Interesting thought experiment: Mandatory enrollme...Interesting thought experiment: Mandatory enrollment and fines are delayed a year, but people may still enroll if they want to. Who do you think will enroll? Two terms come to mind, "adverse selection" and "death spiral". This will be a disaster for the insurers in the exchanges, who will get lots of older and sicker policy holders at rates that (thanks to 'community rating') don't come close to covering the cost of claims. Younger and healthier people will wait rather than purchasing their overpriced coverage, but they're the ones needed to make this work.Dave in L.A.https://www.blogger.com/profile/18115367145020582540noreply@blogger.com