to include enough low risk individuals to keep average premiums affordable. To that end, the ACA imposed the

individual mandate, requiring all individuals to purchase insurance (or pay a penalty) whether they were high risk or

not. Many young adults would choose to skip health insurance since the likelihood of their needing significant

healthcare is small. The individual mandate brought in a significant amount of money to pay for the ACA. However,

despite the elimination of the penalty for not having insurance, ACA coverage has continued to increase. In addition,

there were three other funding sources. The ACA took $716 billion which otherwise would have gone to Medicare

spending. The ACA also increased the Medicare tax that wealthy Americans paid by an additional 0.9%. Despite

these funding sources, the Congressional Budget Office estimates that the ACA will increase the federal debt by

$137 billion over the next decade.
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