Answer:
Formal operations
Explanation:
During formal operational stage adolescents<em> gain the ability of abstract thinking and its application, they can manipulate ideas in their heads without any dependance, they also begin to think creatively and can do mathematical calculations.</em>
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The reform which imposes a penalty on individuals who remain uninsured even through they can afford health insurance,this element is mandatory for individual.
People requires afford to but health insurance to do so, or else they must pay a penalty.The reasons behind that individual mandate if everyone is required to have insurance especially for the healthy people to the risk pools will be enough to lower premiums for everyone , even with expensive medical condition.
It requires most individual to purchase health insurance for stress free life responsibility. The act both strengthens existing form of health insurance coverage while building a new.
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