From https://www.cbo.gov/publication/52486 https://www.cbo.gov/publication/52486 - "Even though the new tax credits would be structured differently from the cur

From https://www.cbo.gov/publication/52486 https://www.cbo.gov/publication/52486 - "Even though the new tax credits would be structured differently from the current subsidies and would generally be less generous for those receiving subsidies under current law, the other changes would, in the agencies’ view, lower average premiums enough to attract a sufficient number of relatively healthy people to stabilize the market." Think of the $3000 subsidy towards health insurance as a $3000 penalty if you don't buy health insurance.