Say what you want about the Patient Protection and Affordable Care Act – and we all have – but the still-unraveling legislation is already changing behaviors across the board.

For starters, the risk pool’s been flooded with an influx of millions of young (healthy) adults who’ve been allowed to stay on their parents’ policies a few years longer than they otherwise would have. Odds are these “indestructible” young people wouldn’t be in the pool at all if they were paying their own premiums and co-pays.

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