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 [...]

Ezra Klein wrote that he is fairly pessimistic on the effectiveness of the new health insurance exchanges. He should be–but not for the reasons he outlined. (As I have noted, health insurance marketplaces do a poor job reducing cost and need very strong risk adjustment mechanism.) Klein states: In the House health-care reform plan, the exchanges [...]