One other reason the analogy doesn't work.  After some further research, I have found that state law, at least in Pennsylvania, DOES NOT require a vehicle owner to purchase an auto insurance policy.  It merely requires a vehicle owner to maintain minimum financial responsibility for any vehicle(s) intended to be operated on a Commonwealth roadway.  It is called the Pennsylvania Financial Responsibility Law, not the Auto Insurance Law.  A vehicle owner may choose submit an application for self-insurance to the state DOT along with a security deposit of $50,000.00 for the first vehicle and $10,000.00 for each additional vehicle and file a master self-insurance and security agreement with the state.

As a practical matter, not many persons have the resources to go that route, but the fact of the matter is that the law in the Commonwealth of Pennsylvania DOES NOT specifically require the purchase of a policy of insurance from a private company to operate an automobile on a public roadway.

Now, I'm not sure if the language in the Healthcare Bill specifically refers to the purchase of insurance, but it seems to me that if it does, the auto insurance analogy is an apples-oranges comparison.

Regards,
Scott Perry