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This requirement is commonly referred to as the laws individual mandate The law imposes a tax penalty through 2018 on those who fail to have the required coverage. Most people have to get health insurance under the law whether its from the marketplace your job or directly through an insurer. The New Tax Law The Individual Health Insurance Mandate Wsj Representatives from these states have explained that individual mandate laws are designed to address not only a public health care concern ensuring that people continue to have health coverage but also to keep their health insurance markets including premiums more stable. Individual mandate health insurance . In health insurance the individual mandate or shared responsibility payments refer to the penalty or fee charged to people who can afford to buy health insurance but choose not to buy it. In 2010 President Obama passed one of the most comprehensive pieces of healthcare legislation in US history which included an individual mandat