It is critical they force churn of healthy young people so they can jack up the prices. that is what the whole Act is predicated on. the more young, health people with cheap plans tha exist, the more the act fails. those plans were not priced to subsize the aca's higher risk pool. that is why the "keep your existing plan" lie is/was so pernicious. the entire thing was a subterfuge, as behind the scence the gov't was <planning> the system to <intentionally churn> people off existing plans. the evidence is quite strong on this...sorry.