This week’s question concerns the health-care reform bill. One of the controversial bill’s provisions, now in Congressional debate, revolves around an escalating series of fines that would be imposed on individuals refusing to purchase health insurance. The fines, slated to take effect starting in 2013, would start at $200 and eventually rise to $750 - far lower than the $5,000 average yearly health insurance premium for an individual. Health insurers contend the low fines would create a disincentive for individuals to buy costly insurance, thus forcing insurers to raise rates to cover costs.

What do you think? Should there be a mandate to buy health insurance? Yes or no?