One of the key tenets of health reform is that insurers cannot charge different premiums to individuals based on their pre-existing conditions. Under this type of system, the optimal strategy for many individuals is to not buy any health insurance until one gets sick. Since insurers cannot charge these sicker people higher premiums based on these conditions, healthy individuals will end up heavily subsidizing the sick. In fact, average premiums will increase for everyone.
To prevent this from happening, health reform instituting an individual mandate which requires every American to buy health insurance. Without this requirement, health insurance prices could spiral out of control.
Is this the beginning of the end of health reform?