Despite the widely cited claim that eliminating the mandate would cause a premium death spiral, with only the sickest buying coverage and everyone else dropping coverage, there is no solid real-world data showing this does happen in places with guaranteed issue.

If you are an individual without employer-provided health insurance that plans to get insurance on the exchange, the existence of the individual mandate (or lack there of) will likely have little or no impact on what you will pay in premiums. The way the new exchange is designed is as follows: If you are an [...]