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Delaying the Individual Mandate Would Disrupt Overall Implementation of the ACA
Urban Institute 
Sept. 23, 2013
"Delay would reduce insurance coverage, increase average premiums in the nongroup and possibly the small group insurance markets, and increase the government cost per newly insured person. Plus, the change would invalidate insurer premium rates already approved for 2014, creating disruption and uncertainty for insurers, consumers, and government."
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