The Patient Protection and Affordable Act included two provisions with offsetting effects. The individual mandate required that everyone have insurance, including healthy people who did not feel they needed it, while the Act required insurers to offer insurance to people with preexisting conditions at the same price as everyone else. What was the hoped for result of these two provisions?

The two groups would have offsetting qL values to balance out the insurers' losses.

qL increases for both groups so W - qL is drawn to the left

The qL for healthy individuals added to the insured group increases the overall cost of payouts so W - qL for the whole group is drawn further to the left

qL decreases for both groups so W - qL is drawn to the right