How much is health insurance worth to you? That's a key question experts in Washington are trying to answer as Congress hammers out a health-care reform bill. Economists say the only way to cover most of the nation's 47 million uninsured is by instituting an "individual mandate" requiring everyone either to purchase insurance or pay a fine. The great unknown, however, is how high the penalty should be to motivate the uninsured to choose an insurance premium instead.
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