Let's see if I can explain this as simply as possible, for our poor, dumb fuck congresscritters and weaselly presidential advisers and shitheaded overgreedy lobbyists and reality-challenged commentators, none of whom have to worry about their goddamn health care.
What people need is "health care", not "health insurance".
For the most part, the people who don't have health care don't have it because the way the system is set up right now, they need to either have health insurance, which they cannot afford, or the money to get health care without insurance, which (being a good deal more than insurance) they really can't afford.
If they cannot afford health insurance, they cannot afford the fines for not having health insurance. Therefore, making it illegal to not have health insurance actually makes things worse, and still does not provide health care.
Comparing the prospective mandatory health insurance to no-fault car insurance does not work. Driving is a privilege. Your health is a necessity.
Admittedly, I don't know why I'm bothering. These evil fucks are trying to squeeze every last drop of blood out of people, and the Obama administration, all inspiring soliloquy and no cojones, are trying to help them.