The TV ads appeared to be about 40% as effective at increasing enrollment as exchange deadline reminder letters that the Internal Revenue Service mailed to taxpayers who appeared to be uninsured.

He says, however, "Don't blame the lawyers." I beg to differ. We moved here from Indiana nearly 10 years ago, a state in which automobile insurance rates are seventh from the bottom nationally.

The 10 points raised by Baton Rouge lawyer Eric Guirard in a recent letter to the editor are excellent recommendations for lowering automobile insurance rates. He says, however, “Don’t blame ...