Somehow, it keeps coming back to that individual mandate, doesn’t it? A law requiring people to buy health insurance requires Congress to define what health insurance is, which creates that minimum required backage (not a minimal required package). Without the individual mandate, guaranteed issue does not work. Pres. Obama used to be against an individual mandate. Now it is his bottom line. The good news is that if Senate Democrats try to split the bill, trying to pass the most controversial parts through reconciliation, they might lose all GOP support for the individual mandate they absolutely must have to take over the US healthcare system, and quite possibly lose on a filibuster.