If you drive a car, the law requires you to carry insurance. However, many people always buy insurance. In the event of an accident the burden is shifted to the insured party and insurance company. The law can penalize the uninsured driver by removing his license.

Not all employers offer health insurance for their employees. Health insurance is expensive. An employee is not forced to purchase health insurance. In the event of an accident, the hospital must decide whether to deny service. If the hospital does not deny service and the patient defaults on payments. The burden is passed onto paying customers.
Source(s):
http://blogs.consumerreports.org/health/2009/06/health-care-reform-bill-req...


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