My Words are Flat and Harsh

Massachusetts Gov. Mitt Romney re-ignited that debate last month when he announced a plan to expand health coverage to all the state's residents, with a caveat that those who don't buy coverage could face a penalty.

"We can't have as a nation 40 million people — or, in my state, half a million — saying, 'I don't have insurance, and if I get sick, I want someone else to pay,' " says Romney.

It's the question behind all health care debates: Who should pay?

Romney's plan says everyone should: The state would work harder to enroll all residents eligible for Medicaid; employers, most of whom already offer insurance, would be encouraged to continue doing so voluntarily; and individuals who don't have insurance would have to sign on to one of two new insurance pools, one of which would be subsidized for lower-income residents.