The most contentious part of law is the individual man individual the heart of the law to be affordable. Health insurance needs a lot of healthy people for every sick person it signs up. But the problem with that is that health insurance is worth more to sick people than it is to healthy people. Sick people want it more and they will pay more for it. So here's what can happen. You get a really good health insurance package really good, so all the sick people rush to buy it. Healthy people decide it's too expensive because of all these sick people pushing up premium. So the very healthiest the people who think they need least leaf that raises premium. Those higher premiums push the next healthiest group out too. Upc premiums again. Outcome. The next healthiest group over and over and over again. That is a death spiral. 

Until now ensure had a real easy way to prevent dust spirals. Just don't sell health insurance to sick people. Or if you do, make them pay so much that you don't have to charge healthy people more. But Obamacare says insurance can't do that. They need to sell insurance to sick people. They can't even charge sick people more than they charge healthy people. They can't discriminate on pre-existing conditions at all. Enter the individual mandate now, rather than keeping sick people out the ideas we're going to pull healthy people in. Starting this year, anyone who does health insurance for longer than three months has to pay at least 95 dollars or one percent of modified adjusted grocer income. That's your income minus sum tax deductions. You can calculate it online. We call it Magiji for short. 

The penalty is even steeper next year, so imagine your family's magi 80 thousand bucks. If you go without health insurance this year, it's 800 dollars to the government. Next year it's 1600 dollars and the year after that 2 thousand dollars OCH. Now that's less money than health insurance will usually cost you, but you don't get anything for that money. You don't get to see the doctor, you don't get your hospital bills covered. And so people, even young and healthy ones tend to buy insurance rather than paying the penalty. We know that from Massachusetts, where Mitt Romney actually signed one of these things into law, people ended up wanting health insurance. They just needed that push in Massachusetts that was enough to prevent a death spiral. The question is whether it will be in the United States too. 

There is A Better Way America - Health Shairng