The Individual Mandate and the Future of the ACA

The 2017 Tax Reconciliation Act repealed fines for violating the individual mandate and created a set of legal and economic problems impacting health insurance markets. These issues must be dealt with by the new Administration and new Congress.

The ACA guaranteed access to health insurance for people with pre-existing conditions and mandated that health insurance companies not consider health status when setting health insurance rates. The individual mandate discouraged healthy people from opting out of insurance coverage and quickly purchasing…