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<blockquote data-quote="Hencredible Casanova" data-source="post: 390246" data-attributes="member: 2584">The scenario you're talking about where many old or unhealthy people sign up faster than young and healthy people is otherwise known in the industry as a &quot;death spiral.&quot;This is something the designers of the Affordable Care Act considered beforehand. That's why there will be a financial penalty imposed on those who choose not to have health care.One key challenge is getting the word out to the public that people can now sign up for health care which ironically is being partly addressed by this high profile government shutdown.It's hard to tell what exactly will end up happening but one thing we know for sure is that the status quo is simply unacceptable.&nbsp; No one should go bankrupt for illnesses that are outside of their control.&nbsp; Too many Americans are seeing their financial well-being and families being wrecked due to this failure of a system - unique among developed nations.Also, no matter your ideology, the renegade faction of the Republican party is certainly to blame for this shutdown.&nbsp; The Affordable Care Act is the law of the land and is already in effect. It passed both houses of Congress during Obama's first term, survived a constitutional challenge at the Supreme Court, and was again validated by Obama's reelection. To now have a debate about its merits as a condition of passing an unrelated budget resolution for spending already approved by the House is yet another stark reminder that the Republican party is being held hostage by an infantile mob of sociopaths.&nbsp; This will no doubt come back to bite them come 2016.</blockquote>

[QUOTE="Hencredible Casanova, post: 390246, member: 2584"] The scenario you're talking about where many old or unhealthy people sign up faster than young and healthy people is otherwise known in the industry as a "death spiral." This is something the designers of the Affordable Care Act considered beforehand. That's why there will be a financial penalty imposed on those who choose not to have health care. One key challenge is getting the word out to the public that people can now sign up for health care which ironically is being partly addressed by this high profile government shutdown. It's hard to tell what exactly will end up happening but one thing we know for sure is that the status quo is simply unacceptable. No one should go bankrupt for illnesses that are outside of their control. Too many Americans are seeing their financial well-being and families being wrecked due to this failure of a system - unique among developed nations. Also, no matter your ideology, the renegade faction of the Republican party is certainly to blame for this shutdown. The Affordable Care Act is the law of the land and is already in effect. It passed both houses of Congress during Obama's first term, survived a constitutional challenge at the Supreme Court, and was again validated by Obama's reelection. To now have a debate about its merits as a condition of passing an unrelated budget resolution for spending already approved by the House is yet another stark reminder that the Republican party is being held hostage by an infantile mob of sociopaths. This will no doubt come back to bite them come 2016. [/QUOTE]

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