Vermont is poised to require that all residents have health insurance. Republican Gov. Phil Scott late last month quietly signed into law a bill that will include a penalty for those who don’t have insurance. The mandate is scheduled to take effect in 2020. A spokeswoman for the state’s largest private health insurance provider said the mandate provides stability. Nationally, many have rebelled against the idea the federal government could tell them what they needed to buy. New Jersey Gov. Phil Murphy signed a similar law days later.