U.S. officials now say as many as six million households in America may have to pay a fine for failing to have health care coverage. Whether you do or don’t is reported on your next tax return, and those who don’t meet the rules for exceptions will have to pay $95 a person, or 1 percent of family income as a penalty.

Under the Obama Administration’s Affordable Care Act, the principle is known as “shared responsibility.” But how well has this insurance mandate worked?

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