Thinking about health - Quiz of the day: Will next year's insurance rates go up or down?

It’s now the silly season for insurance rates with government agencies, consulting groups, and the media all speculating about next year’s premiums. Will your insurance premiums go up or down this fall? Never before have I seen such intense interest in insurance rates which editors have usually considered a snoozer of a story.

It’s no wonder, though, that insurance rates are hot news. They’ve become as politicized as the Affordable Care Act itself. Supporters of Obamacare have focused on what people pay for health coverage—remember all that stuff about it being affordable? And opp...