The employer and individual mandates in the Affordable Care Act are an attempt by Congress to solve the adverse-selection problem, whereby only people with illnesses buy health insurance and healthy policyholders drop out of the pool, driving up premiums, writes Cornell University economics professor Robert H. Frank. Most people agree that the ACA will need to be tweaked in the future, but efforts to repeal the mandates or the entire law do not consider the adverse-selection problem, Frank writes.

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