Voluntary Tax? The future of Health Care

The health care reform bill to be signed Tuesday by President Obama would give the IRS a new mandate to enforce some of the initiative's key provisions -- but apparently not the means to do so.
Under the Senate bill approved Sunday by the House, the Internal Revenue Service would be called on to ensure Americans are obtaining health care insurance and businesses are offering it, or else they could face fines. Individuals initially face fines of up to $750 for not buying in; businesses would face fines of up to $3,000.
It will cost the IRS $5 billion to $10 billion over 10 years to handle the new workload, according to a March 11 estimate by the Congressional Budget Office. But the Senate bill doesn’t provide any funding for the expansion of the IRS, and it virtually ties the hands of the IRS to collect fees on individuals and businesses who don’t buy health insurance. There will be no interest, or civil and criminal penalties if it is not paid on time. Which pretty much means if we do not pay it the only way they can take it is through our refund checks. According to the non-partisan Joint Committee on Taxation, "People who aren't due any refunds or federal benefits will apparently face no collection action, as the IRS's hands will be effectively tied and it will be a truly voluntary tax." I think this is something that may end up being overlooked by congress, and if this is the case, then they just spent $940,000,000,000 on nothing, because it effectively kills any chance of Insurance companies of making money if they cannot get the healthy people to buy into the insurance and they would then have to raise premiums. If they cannot raise those premiums they will go broke, and if that happens there may be no private option in the future. It is like a casino, you can't beat the house all of the time, because if you did there would be no money left. If there is no money there is no Casino. So if people don't buy into insurance, and insurance companies cannot raise their prices, and start to go under, what happens?