Individual Mandate (as an excuse)

The challenge to the individual mandate will fail when the Supreme court rules
probably by the end of next year. Premiums, of course, will keep going up.
Insurance companies will then insist that the penalties are not high enough.
Of course, these are just excuses to keep raising premiums. Once the penalties
are the same cost as the insurance policy (and costs keep going up anyway) they will simply move on to other excuses for raising rates.