The Obama administration is seizing on a big health-insurance rate increase by WellPoint Inc. in California as evidence of the need for action on healthcare reform, the Wall Street Journal reports. Democrats have cited the company's rate plans as a justification for a healthcare overhaul that would remake the individual market, where people who don't get insurance through their jobs shop for coverage. Republican lawmakers have called for a more step-by-step approach, including high-risk pools for some people with medical conditions who couldn't otherwise afford insurance, the Journal reports.