The health care law passed last year has drawn fire for its requirement that every American buy health insurance. Advocates say such a mandate is necessary because without it, only sick people will buy coverage. But other incentives might induce healthy people to enroll – for example, a five-year waiting period before those who at first opt out are eligible to buy coverage and enjoy any of the discounts or guarantees provided under the law. Today’s Question: If your choice was to enroll in a health plan or remain on your own for at least five years, what would you do?