Today marks six months since the passage of “health care reform.” While supporters of the law can point to some specific provisions going into effect today, the law also imposes some significant costs. So says Michael Tanner, a health-care expert at the Cato Institute: “There’s no such thing as a free lunch. If you’re going to require insurers to cover more expensive customers and provide more benefits, it’s going to cost more — and those costs are going to be passed on to customers in the form of higher premiums.”