Wendy Williams and her husband are happy with their health insurance. Unfortunately, the Massachusetts government isn't. She writes in The Wall Street Journal that their policy caps out-of-pocket expenses at $2,500. The state, which requires everyone to have insurance or pay a penalty, says plans should cap out-of-pocket expenses at $2,000. So it's forcing Williams to either pay a $1,000 a year penalty or get a different health insurance plan, one she says would cost about $500 a month more.