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As for not letting America pay its payments, I have to say, no Congress before this one has ever — ever – in history been irresponsible enough to threaten default, to threaten an financial shutdown, to suggest America not pay its bills, simply to try to blackmail a President into giving them some concessions on points that don’t have anything to do with a budget.

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And not using a subsequent change to the ACA, the consequences of full implementation in 2014 with no individual mandate would be dramatic jumps in premium rates within the individual and small group markets. These, in flip, would lead to further drops in enrollment, especially by these least in want of protection, leading to further premium increases as all but the sick retreat from the insurance coverage market—the traditional opposed choice-fueled death spiral.