This theory by Kevin Drum is factoring the importance of having the Affordable Healthcare Act as a health insurance. If a person got diagnosed with a critical condition that is very expensive that skipped the box of having health care. The Employee market area will only take a small loss by gaining others with expensive conditions since the companies already made a lot of money. If this is going to the individual market, companies will take in a huge loss to respond to either canceling policies or raise money payments on people. People in the millions will be without insurance to cover health care or any care in that matter. This can relate to the 1992 crisis in New York dealing with passing a bill to make sure insurance companies to cover everyone (Drum