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

Smith lost his starting job to Colin Kaepernick after sustaining a concussion Nov. 11. Kaepernick played well, and coach Jim Harbaugh stuck with him even when Smith was healthy.
Alex Smith quietly stayed behind the scenes after losing his job and watched from the sideline as San Francisco returned to the Super Bowl for the first time in 18 years. Yet the No. 1 overall draft pick from 2005 did make one thing known: The veteran quarterback still considers himself a starter.
The wholesale overhaul of the Kansas City Chiefs is nearly complete.
The first call that Andy Reid received came from Chiefs chairman Clark Hunt.
Andy Reid didn't have to wait long to find a fresh start.
Scott Pioli is out as general manager of the Kansas City Chiefs, who have been negotiating the past two days with Andy Reid to become their next coach.
Andy Reid arrived in Kansas City on Friday, and the Chiefs are close to making an official announcement that he will become their next coach.
Scott Pioli is out as general manager of the Kansas City Chiefs.
Andy Reid pulled up to Arrowhead Stadium in a black SUV on Friday, stepped out of it wearing a dark suit and red tie, and walked briskly toward the doors of the Kansas City Chiefs' home.
Andy Reid pulled up to Arrowhead Stadium in a black SUV on Friday, stepped out of it wearing a dark suit and red tie, and walked briskly toward the doors of the Kansas City Chiefs' home.
Andy Reid and the Kansas City Chiefs should be quite familiar by now.
The Kansas City Chiefs were courting former Eagles coach Andy Reid on Wednesday as they searched for a replacement for Romeo Crennel, who was fired this week after the worst season in franchise history.
The Kansas City Chiefs fired coach Romeo Crennel on Monday, but made no move on embattled general manager Scott Pioli despite a 2-14 season marked by blowout losses, fan rebellion and a murder-suicide involving one of their players.

The Kansas City Chiefs are doing more than looking for a new coach after firing Romeo Crennel on Monday. They're changing the entire structure of the organization.
The Kansas City Chiefs are doing more than looking for a new coach after firing Romeo Crennel on Monday. They're changing the entire structure of the organization.
Pioli walked through the press box before the game and said he was doing "OK," though he didn't stop to talk.
"The bottom line is that I did not accomplish all of what I set out to do," Pioli said in a statement released through by team. "To the Hunt family _ to the great fans of Kansas City _ to the players, all employees and alumni, I truly apologize for not getting the job done."