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The thinking behind the individual mandate is that, in the absence of a government-run "single payer" insurance program like Canada's, the only way to achieve universal health insurance is to require people to obtain coverage on their own, with government assistance for those who can't afford it. An excerpt from a new book, Landmark: The Inside Story of America's New Health Care Law and What It Means for Us All, by The Washington Post.

A simple rule lies at the heart of the new health law: Starting in 2014, almost every American will need to carry health insurance or pay a fine. An excerpt from a new book, Landmark: The Inside Story of America's New Health Care Law and What It Means for Us All, by The Washington Post.