9. While an Individual Mandate Will Certainly Cause Problems,
you pretty much have to have one if insurance companies can't use preexisting conditions to disqualify customers. Otherwise, people can just stay uninsured until they get seriously ill.
One way of looking at the individual mandate is that it spreads the costs out over a person's lifetime. Younger people as a whole need to put more in in their healthier years so the system can afford to pay out later in their lives.
There are problems with all of these approaches. It really demostrates why anything short of single payer is bound to be unsatisfactory.
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