An article in yesterday's New York Times examines how people in their 20s are staying on their parents' insurance plans long after they've left home and finished college. In fact, some states are passing laws to allow adults up to the age of 30 to piggyback on their parents' plans. As the article notes, this is a way of bringing a healthy--and therefore profitable--demographic back into the insurance pool. Of course, we're all for anything that allows people to have affordable insurance, and most of these young adults are probably getting a better deal with their parents than they would on the individual market. But this trend just proves that there's something drastically wrong with the way insurance coverage is structured in America.