rharmelink writes,-- Smoking-- Improper Diet-- Lack of Exercise-- Improper/excessive recreational drug use-- Unsafe sex-- Not using seat belts or motorcycle helmetsEtc. Etc.One advantage to a risk-based insurance plan is that policy holders contribute premiums to the group at the same rate that they contribute risk to the group.Why should those that live a low risk lifestyle subsidize those that CHOOSE to live a high risk lifestyle? </snip>All excellent points.Some of the most expensive diseases to treat are genetically-based. Do you also recommend that people exercise more responsibility in the choices of parents and/or spouse? Would you deny coverage to children who chose their parents unwisely?intercst
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