Health Care Reform and the Law in Issues & Politics Posted December 14, 2010 The only way to achieve lower health insurance costs is to get more people into the system, especially the healthy young ones. I can only think of two ways to do this. Mandate everyone has insurance (the Republican option), or adopt a government run, public funded, socialized medicine system like Canada. Those who don't elect to purchase insurance are freeloaders. They know they will be covered by the rest of us when they show up at the emergency room.