Have Democrats intentionally created a private insurance death spiral? The answer appears to be yes. Although there are penalties in Obamacare for failing to purchase insurance, the enforcement has no teeth. The IRS will collect
When states tried to fix their individual health insurance markets—the marketplace for those who don't get insurance through their employers—the initial idea was to simply prohibit insurers from discriminating against individuals with preexisting conditions. But that caused what insurers called a "death spiral"—ever higher premiums as relatively healthy people decided to wait until they were sick to buy insurance, leaving smaller and smaller pools of more and more expensive individuals.
The solution to this problem, both in Massachusetts and in ObamaCare, was the individual mandate...The penalty [for not purchasing insurance] applies to any period the individual does not maintain minimum essential coverage and is determined monthly...