By Douglas Holtz-Eakin
The young drop coverage to avoid higher premiums

Castro hit shots to tap-in range on the famed 17th and 18th holes on his way to a 9-under 63. That tied the course record held by Greg Norman and Fred Couples, and gave him a three-shot lead over Rory McIlroy.
Tiger Woods and Rory McIlroy had their best start ever in The Players Championship.
Adam Scott never had to take this much time walking from the clubhouse to the practice range at TPC Sawgrass.
Greg Norman says golf's anti-doping procedures are "disgraceful" and blood testing needs to be instituted as soon as possible.
Maybe winning really does take care of everything.
Greg Norman almost couldn't stand to watch. The Great White Shark had circled around the elusive green jacket too many times without being able to wear it.
Greg Norman saw three Australians on the leaderboard at the Masters and had reason to believe more heartache was on the way.
Adam Scott barely had time to think about an Australian in a green jacket when a sudden roar from the 18th green and a quick look at the TV reminded him it's never been easy. Not for him in the majors. And certainly not for the Aussies at Augusta National.
It was a g'day for all the Australians.
It began overnight on social media in Australia, hours before three of the country's best golfers teed off among the top five in the final round of the Masters in pursuit of that elusive green jacket.

Adam Scott made history Sunday, becoming the first Australian to win the Masters Tournament. Scott, who also became the first player to use a long putter to win a green jacket, drained a 15-foot birdie putt on the second playoff hole to defeat Angel Cabrera.
It slipped away early, before Tiger Woods could really give himself a chance. A belated run in the rain on the back nine was never going to be good enough to win this Masters, something even Woods seemed to realize after he missed badly on his last real birdie chance on the 16th hole.
"How deep it is (the problem), I have no idea because we only do urine analysis instead of blood testing," Norman said.
"You only have to look at what happened to Vijay Singh just recently to know the drugs issue is there," Norman told The Australian newspaper on Monday.