By Douglas Holtz-Eakin
The young drop coverage to avoid higher premiums
Independent voices from the TWT Communities

Cruise ship passengers and crew said prayers Sunday at the spot in the North Atlantic where the Titanic sank 100 years ago with the loss of more than 1,500 lives.
A New York auction house has sold an original ticket to the launch of the Titanic and a dinner menu from the ill-fated ocean liner.
After an entire century that included two high-profile government investigations and countless books and movies, we're still debating what really caused the Titanic to hit an iceberg and sink on that crystal-clear chilly night.
Epic disasters _ the anguished cries, the stories of heroism _ are the central narratives of our age, both enthralling and horrifying. And our obsession began a century ago, unfolding in just 160 terrifying minutes, on a supposedly unsinkable ship, as more than 1,500 souls slipped into the icy waters of the North Atlantic. And the band played on.
"I think what this really speaks to, is the fact that the Titanic still inspires. ... Even though the ship left, in sinking, we haven't been able to leave it," said James Delgado, a maritime historian at the National Oceanic and Atmospheric Administration.
James Delgado said Saturday that one 2004 photograph shows a coat and boots in the mud.
American Scene: Auction house sells off Titanic-related memorabilia →