Under the federal health insurance reforms, the "individual mandate" is

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The individual mandate refers to the requirement that all Americans have at least minimal insurance or pay a penalty. It is one of the key provisions of the federal health insurance reforms, also known as the Affordable Care Act or Obamacare. This provision is intended to help ensure that more people have access to healthcare coverage and to spread the risk and cost of healthcare across a larger pool of individuals. Without the individual mandate, younger and healthier individuals may choose to forego insurance, leaving the risk disproportionately on older and sicker individuals who need it more, and driving up the overall cost of healthcare.

Under the Federal Health Insurance Reforms, the "Individual Mandate" Is