Exempting people from the individual mandate instead of giving more support for premiums is a lose-lose: it is a recipe for individual disaster (medical bankruptcy or not getting care because it isn't affordable) and a further decrease in customer base for the insurance companies, thereby driving premiums even higher. We require people to have auto insurance, which spreads the risk and reduces the cost, and no one claims that infringes on their liberty! Requiring health insurance is the same thing!! Why is this so hard to understand?!? Please do NOT support this bill. Let's find ways to get to win/win instead, where everyone is covered at reasonable costs and the insurance companies can provide that while still making money. Several other nations do this: Belgium and Japan I believe have this - read The Healing of America by T. R. Reid if you want specifics.