Spurred by stories of sick people denied health coverage, the state of New York passed a relatively simple law requiring insurers to accept all applicants two decades ago. But now, New York's experience offers a cautionary tale, the Los Angeles Times reports: Premiums in New York are now the highest in the nation by some measures, with individual health coverage costing about $9,000 a year on average. And nearly one in seven New Yorkers still lacks health coverage, a greater proportion than before the law was passed.