'Washington knows best" is in full swing: President Obama hasn't invited any governors to tomorrow's health-reform summit -- even though states have overseen health insurance for six decades. Indeed, states' experience ought to guide any bid to reform the system -- some, for example, are making stunning progress in keeping down costs. Of course, the president and his allies in Congress are eager to exploit some state-level problems -- such as some recent bad news from California. Health insurer Anthem announced that on March 1, premiums would rise 39 percent, a clear hardship for some Californians. Why? Anthem said the...