I disagree that the IM is required for the ACA, because insurance companies now have a common enrollment period 1 time per year to change or obtain insurance, u

I disagree that the IM is required for the ACA, because insurance companies now have a common enrollment period 1 time per year to change or obtain insurance, unless there are special circumstances. The argument for the IM was that people would remain uninsured until they got sick, then go buy insurance. Or, would get crappy+cheap insurance until they got sick and then get good insurance to cover their sickness. However, neither of those work because there is still an average 6-month waiting period before a person can obtain or change insurance, just like when you could obtain insurance anytime during the year, but there was a 6-month wait on PE conditions.