(October 29, 2009) The Government's proposed mandatory health insurance has been the headline of most news media and on most American’s minds these past months.

But, there have been many reports, studies and surveys that show Americans will most likely "not comply" with the mandate of health insurance as reported by the Insurance Research Council.

Most Americans are concerned about how the government office will enforce such a mandate as "regulation is only as good as enforcement."

Also reported in the recent studies of the Insurance Research Council is that some people are "simply irresponsible and look to others to buy their insurance."

With the government proposed order of making it mandatory for all Americans to have health insurance, many wonder about the affordability for the insurance.

As the nation's unemployment rate rises, more and more people will drop those expenses necessary to make ends meet.

However, under the proposed health reform, those Americans who refuse to purchase health insurance could face monetary penalties.