Stories

Individual mandate is important, but underperforming

Experts almost universally agree repealing the individual mandate is bad for the marketplace. Photo: Carolyn Kaster/AP

Experts across the political spectrum generally agree that the Affordable Care Act's individual mandate is both necessary for market stability, and probably not working as well as its authors intended.

The bottom line: Almost everyone agrees that repealing the mandate now, without a replacement, will make insurance markets function substantially worse than they are today. But many experts believe other policies might be just as effective, if not more so, at getting healthy people into the system and thus moderating premium increases.