The insurance industry is sick. After studying the symptoms, we've diagnosed them with "Goldilocks syndrome," named after the little blonde heroine of the popular children's story.

Like her, insurance companies have broken into people's homes but then cherry-picked which customers are "too big" or "too small" to insure, settling on the ones that are "juuust right." The stories have been all over the news over the past few weeks: one baby who was "too big," another toddler who was "too small." But the insurance companies aren't dealing with fictional talking bears. These are real people who need medical coverage.