... Since 1993, Maine has required sellers of individual health-insurance policies to accept all applicants—foreshadowing a key provision of the national overhaul that will fully take effect in 2014. ... Anthem says these requirements, along with the state's high medical costs, have helped push up expenses, with 1% of individual policyholders in Maine driving 50% of claims costs. As premiums then rise, it says, they give healthy people incentives to forgo insurance in Maine, which has had no requirement that everyone be insured. "As those younger, healthier folks choose not to participate in the risk pool, the average costs per...