“The problems of the uninsured, including the ‘free rider’ issue, are best addressed through a judicious combination of positive economic incentives, such as tax credits and vouchers for insurance, creative new mechanisms to facilitate coverage (such as automatic enrollment with a right to refuse coverage), and transparency in personal choice and consequences, such as an upfront signed acknowledgement of financial liability for refusing coverage.[18] This policy encourages the adoption of coverage and individual responsibility while not compromising Americans’ personal freedom and responsibility.”