The Affordable Care Act (Obama Care) Requires People to Sign

The Affordable Care Act (Obama Care) requires people to sign up for health insurance or pay a penalty. This seems harsh to some but others claim it is good policy because

A) health care premiums are higher than expected loses even for the highest risk patients.
B) adverse selection will cause premiums to continually increase eliminating many from care.
C) statistical discrimination means that health care plans are losing propositions for everyone.
D) the costly to fake principle implies that it is hard to hide sickness or injury.