Have you ever played a game with your friends where you had to follow a certain rule, like "everyone has to wear green" or "no one can touch the floor"? Well, the government made a rule like that for grown-ups called the health insurance mandate.
The rule says that everyone who is able to get health insurance must have it, just like how everyone has to wear a seatbelt in a car. This helps make sure that people are taking care of their health and are covered in case they get sick or hurt.
If someone doesn't follow the rule and doesn't have health insurance, they might have to pay a fee. The fee is like a punishment because not having insurance can make it harder for them to get the help they need if they have a health problem.
The health insurance mandate helps make sure that everyone has access to healthcare and can stay healthy. Just like how following the rules in games helps keep everyone safe and having fun!