Phase 4: Wave 4: everyone · Step 4.1
Enroll everyone remaining
Year 4, Day 1 · UHADiscuss this step
Pros & cons of this step
Pros
- +The uninsured rate goes from 28.0M people (8.2%) to near zero.
Cons
- −Young adults are healthiest and use the least care; many will pay more in tax than they did in premiums.
- Young, healthy, higher-income workers subsidize older and sicker people more than in risk-rated insurance. That is the design.
Trade-off behind each system change
- Coverage of people experiencing homelessness, migrant farmworkers, and others without recordsUniversal reach; outreach costs much more per person enrolled.