People who refuse to obtain health insurance could be tracked down by the state or a private contractor, enrolled in a plan and fined until they pay their premiums under one proposal Gov. Arnold Schwarzenegger's administration is considering as part of his vision for covering all Californians...

Schwarzenegger wants to offer public subsidies to the least affluent Californians. But many Democratic legislators, unions and consumer advocates have objected that others will not be able to afford even the bare-bones, high-deductible plans that Schwarzenegger would require as a minimum, which cost $1,200 a person a year...

Peter Harbage, a senior program associate with the nonpartisan think tank the New America Foundation, said relatively few people would have to be forced to buy insurance. Schwarzenegger has cited the foundation's research in helping to frame his plan.

"Most people are going to have insurance if the program is well designed and well constructed," he said in an interview Tuesday. "And then you're going to have some people who are bad actors, and that's where you need some sort of tracking system..."

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