Quote:
Originally Posted by Regorium
While true, the insurance companies would have calculated their risk as if the individual mandate existed (with a certain expected % of non-conformers).
The math drastically changes when it's no longer the law of the land, regardless of how effectively enforced it was in the first place.
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I doubt it changes drastically. I think that it would have more of an affect on future projections, and don't think it came into play much for existing years, since the penalty was so low. To be honest, I suspect the individual mandate ended up being pretty ineffective and probably wasn't worth the political capital. I'd guess Obamacare survives without it, and if that is the only thing that changes, it is probably a best case scenario all things considered.