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No. of Recommendations: 5
rharmelink writes,

-- Smoking
-- Improper Diet
-- Lack of Exercise
-- Improper/excessive recreational drug use
-- Unsafe sex
-- Not using seat belts or motorcycle helmets

Etc. 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?


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?

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