Columnist Jeannie DeAngelis: "Does requiring a two-year-old to have their own health insurance policy sound like a joke? Well it's no joke, because that's exactly what happened to self-employed title insurance business owner Cornelius Kelly and his pediatrician wife Jennifer. ... He, his wife and their three oldest children, ages three, five, and six, could all be together on one policy ranging in price from $810.84 to $2,554.71 a month. The baby, because she was not yet two, required a separate plan whose options ranged in price from $117.21 to $369.31. So, as liberal logic would have it, children can stay on their parents insurance until they're 26-years-old, but if a child is not yet two-years-old, they're on their own."