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Ensurers lose money and the entire system evolves into what they call the so-called death spiral. here is the deal, a one-year delay could avoid the death spiral. rejected last week by congress, but how would you handicap a one-year delay as this thing continues. i think it is hard to imagine there will be a year delay to mandate. i think it would make it worse for the president. what incentive do people have? the incentive is very low because it may be beneficial and they see it as beneficial to sign up and mott take the penalty. without the mandate and without the penalty, i don t see why young people would sign up if they haven t signed up for health insurance.ñi you can pay a penalty instead of a premium, hello, duh, that s an easy choice to be making if you are a young ....

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