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Testimony of American Academy of Actuaries to House Subcommittee Hearing: Examining the Effectiveness of the Individual Mandate Under the ACA (PDF)
American Academy of Actuaries 
[Opinion] Feb. 7, 2017 "Currently, the ACA's individual mandate, annual open enrollment period, and premium subsidies aim to achieve a balanced risk profile. Increased penalties for non-enrollment could help improve the risk profile, as could improving premium affordability, for instance through increased premium subsidies or additional funding for high-risk enrollees. Weakening the incentives for participation, however, could further exacerbate adverse selection issues and lead to higher premiums and more uninsured." |
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