I have no desire to pull the conversation off track but comparing auto insurance requirements to the affordable care act is apples and oranges.<p>You don&#x27;t have to own a car. (and in fact fewer and fewer people do) You also don&#x27;t have to have auto insurance to own or drive a vehicle, just to drive it on public thoroughfares. Which, believe it or not, is not everyone&#x27;s use case.