While we wait
Today will likely bring the Supreme Court ruling on the Affordable Care Act with most of the attention focused on the constitutionality of the individual mandate. Here is an argument to consider while we are waiting.
Many states now require passengers in automobiles to wear seat-belts for their own protection. Many others require anybody driving a car to have liability insurance. But neither the federal government nor any state requires all households to protect themselves from the potentially catastrophic costs of a serious accident or illness. Under the Heritage plan, there would be such a requirement.