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I know that Obama made a campaign promise of no mandates, but that's one promise he cannot keep. Here is why.
Once you exclude the "pre-existing condition" clause of a health insurance policy, if you have no mandates, then a person need not buy insurance until that person gets sick, or pregnant, or whatever.
For example, a 27 year old woman doesn't have insurance, gets pregnant, and then signs up for the public option. She can't be turned down for insurance, so she pays the low premium until she has the baby, and then drops the insurance.
Such a plan would be unsustainable. Only the sick would buy insurance, and for insurance to work you need healthy people paying premiums on a regular basis. (That's why an "insurance strike" would work to get single-payer, but it would be next to impossible to get people with insurance to drop their coverage all at once.)
IMO, the Democrats should remember that a robust public option IS a compromise from single-payer. They should accept a public option that is an option for everyone, not just those without insurance at this time, and have mandates with subsidies to help people pay premiums.
Beyond this, they should not go. If they pass this plan, single-payer will eventually come, and the insurance companies know it.
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