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From the Wisconsin State Journal and other media partners

Finland, which topped the United Nations report this year as the happiest country on the planet, is a land filled with saunas, forests and coffee (the Finns are obsessed with their java). But you don't have move to the Land of the Thousand Lakes (aka Finland) to boost your spirits. Here's a …

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Many insurers added surcharges to policies they sold to individuals last year to make up for a cut in federal funding. Now, federal officials suggest that states encourage insurers to sell policies without those surcharges outside of the marketplace to help people who don’t get a premium subsidy.