does the health care reform bill require people to have health insurance?

hr3200, does it require health insurance the same way that people need auto insurance?
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Pretty much. The only way you can require insurance companies to cover everyone, and have everyone pay basically the same premium (technically called community rating versus individual rating) is to mandate that everyone be covered. Otherwise, many people would not buy insurance until they got sick, but companies would not be allowed to deny coverage to them, or even charge them higher premiums. HR 3200 (the main Democratic bill) has an employer mandate. Somehow that is thought to be politically more palatable than an individual mandate, though an economist will tell you that there's really not much difference between the two. Poor people who can't afford insurance would get assistance in the form of vouchers or refundable tax credits.
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