Included in the Tax Cuts and Jobs Act of 2017 was the elimination of the individual mandate penalty for not having health insurance. Starting in 2019, individuals who do not have health insurance will no longer be subject to paying a penalty, which in 2018 was the higher of either 2.5 percent of income or $695 per adult and $347.50 per child under 18, with a maximum of $2,085 per household. Explain how the elimination of the individual mandate penalty will affect adverse selection in the market for health care, and what you expect to happen to prices for health insurance policies.