The individual mandate, which took effect on January 1, 2014, is a requirement of the ACA that most citizens and legal residents of the United States have health insurance.
People who do not have health insurance must obtain it or pay a penalty.
† Enrollees have the option of obtaining coverage directly from insurer.
Related analysis by the COMPARE team found that subsidies exert a more powerful effect than the individual mandate on both enrollment and premiums in the individual market (Christine Eibner and Evan Saltzman, "How Do ACA Tax Subsidies Affect Premiums and Enrollment? Eliminating subsidies nationwide would cause individual market enrollment to decrease by about 13.5 million and premiums to increase by 43 percent.