Onewouldexpecttoseeanuptickinthenumberofunin-suredfortworeasons:(1)thefinancialpenaltyforbeinguninsuredwillberemovedbeginningin2019,and(2)premiumswillriseduetoadverseselection,byanestimated10%,althoughmostpeopleareprotectedthroughrisingfinancialsubsidies.EstimatesbytheCongressionalBudgetOfficeprojectthatby2027,fivemillionAmericanswouldloseindividualcoverage;