A small contingent of legal scholars and many Republican lawmakers argue that the health reform measures passed by both chambers are unconstitutional and will be ruled so by the Supreme Court. Their primary target is the the individual mandate, which requires people to get health insurance or pay a financial penalty of at least 2% of their income to the government. The mandate is a central component of Democrats' reform plans, which operate under the assumption that bringing everyone into the national insurance pool will reduce premiums across the board, the Washington Post reports.