But there good reasons to think the critics are wrong, that young people will sign up for health insurance, and that Obamacare will work as its designers intended. Here are six of those reasons.
1. The penalty will get bigger than it is next year. It’s true that the penalty for carrying no insurance is just $95 in the first year, which is a lot less than the full price of health insurance. But the penalty actually gets larger in 2015 and 2016, so that’s eventually $695 a year for a single adult, up to $2,085 a year for a family, or 2.5 percent of household income (whichever is greater). That won’t make much difference in the law’s first year, but it will make a difference afterwards—and insurers calculating their premiums can plan based on that increase.