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Obamacare’s design assumes insurance is a bad deal for younger population

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Whether or not President Obama’s health care law succeeds depends in large part on a simple question of economic decision-making: Will a critical mass of younger and healthier Americans decide to purchase insurance next year, or opt to pay the penalty for going uninsured instead? If too many younger Americans decide to remain uninsured, then insurers won’t be able to generate enough revenue to...

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