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Eliminating the Individual Mandate Penalty in California: Harmful But Non-Fatal Changes in Enrollment and Premiums
John Hsu, Vicki Fung, Michael E. Chernew, Alan M. Zaslavsky, William Dow, Joseph P. Newhouse, in Health Affairs Forefront Mar. 2, 2018 "18 percent of enrollees in California's individual market in 2017 say they would not have purchased insurance in the absence of a penalty, [but] the substantial majority of lower-risk enrollees would still have purchased. Based on this changing risk mix, [the authors] estimate that eliminating the mandate penalty would have caused premiums to rise 5 percent to 9 percent in California's individual insurance market plans." |
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