How Is Obamacare Different From Car Insurance? 
Both Obamacare and car insurance are mandatory , but there is a big difference in how the mandates get enforced . The Affordable Care Act enforces the mandate through a fee which is collected by the IRS . State and local jurisdictions can enforce the mandate for car insurance through traffic fines . A police officer will routinely ask a motorist for their driver 's license and insurance card . 