There's no such thing as a free lunch. If you're going to require insurers to cover more expensive customers and provide more benefits, it's going to cost more -- and those costs are going to be passed on to customers in the form of higher premiums. When New York implemented many of these same insurance rules in 1983, premiums rose by nearly $500 per policy -- resulting in nearly 500,000 New Yorkers dropping their insurance. Already this fall, we're seeing premiums jump as much as 9 percent nationally next year, especially in the individual and small-group markets. Some customers are...