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The Numbers Behind 'Young Invincibles' and the Affordable Care Act
Henry J. Kaiser Family Foundation Link to more items from this source
Dec. 17, 2013
"Because the ACA includes a risk adjustment system that transfers funds from individual market insurers in a state with younger and healthier enrollees to those with older and sicker enrollees, what really matters for next year is the demographic composition of actual enrollment in total in each state compared to what insurers as a whole projected. In the future, the goal remains to get a proportionate mix of enrollees by age in a given state.... [B]ecause premiums are still allowed to vary substantially based on age, the financial consequences of lower enrollment among young adults are not as great as conventional wisdom might suggest."

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