Do you think Congress knows what it is doing? Consider this, as amendment approved by the Senate Finance Committee lowers the penalty on individuals who do not obtain health insurance to zero and then some time like 8 years from now puts in a $750 penalty.
Anyone think this leads to anti-selection, adverse selection and the like? States that have gone this naive route have found as one would expect, people will wait until they need coverage before getting is and thus the risk pool is distorted….butthe good news is that they then get to blame the insurance companies for raising their premiums.
Remove all the underwriting rules, then allow each individual to pick when they obtain coverage without any penalty, what could be a better perfect storm?