Until we have a universal system , mandates are necessary. If corporations are not going to pay enough in taxes to help with a universal program and take care of the health of their employees, then they need to be required to offer coverage. If they don't like it, they can support a universal healthcare program. Individuals should pay penalties in the form of taxes, the individual mandate, if they are not going to purchase health insurance because they are still going to highly impact the medical system with high costs for their bad planning. With subsidies, there is not as much excuse now not to buy insurance.