"Death Spiral"

"If it becomes a permanent situation that people who are healthier stay away and people who are sicker go into the exchanges, that becomes a very big problem. . That could be the beginning of a death spiral. That is, you could have a situation where the only people in the exchanges are very unhealthy people with very high premiums."

Harvard professor, David Cutler

"a so-called architect of Obamacare"