middle income americans who aren t poor enough to qualify for medicaid but make too much to receive insurance subsidies and aren t old enough for medicare have been crushed by obamacare premiums. that doesn t make for a death spiral, but it s clear that obamacare s insurance mandate isn t robust enough. the incentive for america s young and healthy to sign up and stay covered has been weak because of ever rising premiums. an estimated two million americans have already dropped their coverage this year alone. they have decided it s cheaper to pay the $695 penalty for an individual or 2.5% of income for a household than to purchase health coverage. that means the risk poolment to share costs across the population has been skewed by a hire proportion of older and sick patients. add to that the secondary problem of insurers pulling out of medical exchanges in some states and you can see why republicans harp on obamacare. but what republicans don t talk about is the uncertainty they re crea