Consumers are facing the prospect of significant premium increases for health insurance next year and faulty ACA provisions are at least partly to blame.

For example, people have figured out they can get a year’s worth of medical care while paying just nine months of premiums.  They also can wait to sign up for health insurance after they get sick and get the care they need. And young people are required to pay much more for health coverage than they expect to need in medical services so many just don’t enroll.

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