Health insurance mandate promotes personal responsibility

When you own and operate an automobile, you are required to carry liability insurance. Among other benefits, this assures that you have some responsibility to the family of a breadwinner that you accidentally injure or kill. Mitt Romney explained this need for personal responsibility with medical insurance in the following editorial that he wrote for USA Today:

“Our experience also demonstrates that getting every citizen insured doesn’t have to break the bank. First, we established incentives for those who were uninsured to buy insurance. Using tax penalties, as we did, or tax credits, as others have proposed, encourages ‘free riders’ to take responsibility for themselves rather than pass their medical costs on to others.”

Why is it so hard to understand the need for personal responsibility, which is in the medical insurance mandate included in both Obamacare and Romneycare?