At the ripe age of 61, former Johns Hopkins neurosurgeon Ben Carson has seen his fair share of boondoggles.

The good doctor, though, has never seen a disaster quite as large as Obamacare. On Fox News the other day, Carson proclaimed that this “is the beginning of the collapse,” and characterized the mass roll-out as “foolish.” Is this just another instance of Fox News nuttery?

It turns out that there is much to fear in these last few months before the health-exchanges open.

We’ve been told over and over by the administration that the individual mandate is the linchpin that holds the entire reform together. If we had a law mandating that insurance companies offer expensive benefits and provided for the influx of millions of sickly folk without getting the young and healthy on board, prices would see an increase. Then, in a nightmare scenario dubbed by economists as an adverse selection death spiral, the price increase would prompt an exodus of many quasi-healthy folk, leaving only the very sick on the insurance rolls. This in turn would lead to price spikes, leaving only the sickest few as customers.

Think this is an outlandish scenario dreamed up by Sarah Palin? Just look at New York.

The Empire State mandated up the wazoo without a purchase requirement, leading to some of the highest premiums in the country. Keeping this in mind, the administration must find and recruit millions of healthy youth to sign-up for insurance. Given that 32% of the uninsured population is Hispanic and nearly half are under the age of 26, it’s no surprise that enrolling Latinos is a huge priority for the POTUS and co.

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