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But monetary policy is not the only policy available to a government.
But in the second year, the fine can amount to half the cost of the least expensive policy available, probably at least $1,000.
Three Levels of Coverage Travel Guard International in Stevens Point, Wis., has come out with an annual travel policy available only on its Web site.
"We have a notice that advises our patients that we have a privacy policy available to them, should they choose to read it," Dr. Brown said.
A couple of years ago, a University of Vermont student named Sherry Williamson discovered that the Dewar policy available to her fellow students worked like that.
She was one of the millions of people who jumped at the opportunity and bought a policy available under the new law.
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Many early retirees are able to avail themselves of some insurance, relying on company-sponsored plans or policies available through a spouse's employer.
"The spectrum of policies available is narrower because a lot of ammunition was used in 2009.
What's more, there are probably cheaper and more effective policies available than walls and police officers on the border.
While president, Dr. Emerson helped create the Medical Liability Mutual Insurance Company, which eased the crisis by making malpractice policies available to New York doctors.
Diversity has traditionally been constrained because there are a limited number of insurance policies available on the settlement market.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com