"As the Supreme Court ponders the constitutionality of Obamacare's individual mandate to buy health insurance, Congress should reflect on how to reform health insurance without such a mandate. Heritage Foundation health policy expert Edmund Haislmaier explains why the starting point for developing commonsense reforms for the individual health insurance market should be the rules that Congress established for employer-group coverage in 1996. Obamacare's radical changes to health insurance regulation were never necessary to address the remaining problems in the market. It is precisely Obamacare's new health insurance regulations that threaten to destabilize the market and make the present situation much worse."