Both the House and Senate versions of the healthcare reform bills contain a mandate that everyone have insurance, be it through a job, the government, or the private market. But the mandate for near-universal coverage is generating opposition not just from libertarians but from some liberals and even from some members of the insurance industry, which stands to gain millions of new customers. Critics talk of legal challenges and complain that Americans will be locked into buying a product that threatens to become ever more expensive, the Chicago Tribune reports.