Uninsured And Overinflated

Investor's Business Daily editorial breaks down the "46 million" without health insurance: most are without insurance short-term, immigrants, eligible for current government programs, or young and choosing not to be insured.

But fixing these problems requires targeted reforms that make it easier for people to buy insurance on their own, and carry it with them as they change jobs — just like people do with auto insurance or homeowner's insurance.

It means getting rid of costly state mandates that push up the price of coverage. It means fixing the tax code bias against out-of-pocket spending on health care. It means creating viable high-risk insurance pools for those who can't get coverage for health reasons, and making sure people sign up for available public help.

The last thing we need is a massive new government program that promises to fix a problem that doesn't actually exist.