On the most basic level, the law will ensure that people can get health insurance, and thus medical care, even if they are not insured by their employer or their spouse's employer.
If you are not insured through your job, buying a policy is incredibly expensive, because insurers know that the people in the market for a policy are the ones who expect to get sick.
If you are not insured and use your vehicle on the road you are already committing an offence – get insured immediately.
At the same time, the potential loss must be severe enough to cause financial hardship if it is not insured against.
"If you're not insured, and things are getting increasingly expensive, you end up having to make some hard choices," he said.
And gradually, by year two you could say, 'We're going to reduce that to £5 now,' and then at some point in the future you say, 'I'm going to stop now, if you're not insured you don't get fuel.'" According to Swan, the project could be implemented at a cost of £40m to £60m.
Vehicle theft can lead to severe economic hardship, especially if it is not insured.
"That can put the home at risk because if it is not insured you cannot keep it going.
Tell that person if you're not insured (a fact of life for many dental patients these days) or if your policy won't pay for the particular procedure or whether you'll need to shell out your own money because you either haven't met your deductible or you've exceeded the plan's maximum coverage.
