The 2010 Health Care Reform Law, also known as "Obamacare", includes a part known as universal coverage which requires everyone to have health insurance. One reason for this is to address the problem of:

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The requirement for universal coverage addresses the problem of adverse selection, where those with higher health risks are more likely to purchase insurance, leading to higher premiums for everyone. By requiring everyone to have insurance, the risk pool is expanded and premiums can be more affordable for everyone. Moral hazard is the tendency for people to take risks or make choices that they would not otherwise make because they are insured. Externalities are costs or benefits of a decision that affect other people or society as a whole. Public goods are goods or services that are non-excludable and non-rivalrous, meaning that they are available to everyone and one person's use does not diminish another's use.

The 2010 Health Care Reform Law, Also Known as "Obamacare