"The bill leaves in place health reform's market reforms, including those that bar insurers from denying coverage to people with pre-existing health conditions or charging them higher premiums in the individual market. But without the individual mandate and the subsidies to make coverage more affordable, healthier people would likely drop or otherwise go without coverage. Losing most of the healthy people from the risk pool would substantially push up individual market premiums for everyone else, by making those still enrolled sicker and costlier to cover, on average. Higher premiums, in turn, would push even more healthy people out of the pool over time, driving up premiums still further."

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