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Why should those that live a low risk lifestyle subsidize those that CHOOSE to live a high risk lifestyle?


All insurance spreads some risk, but insurers try to avoid risk and keep people with costly conditions or predisposed to them getting covered in order to maximize their profits.

Insurers want a healthier-than-average risk pool. That’s called “risk selection” or “cherry picking”. Insurers will charge premiums based on an individual’s likely health care needs, called risk-based rating. Under risk-based rating, somebody who already has diabetes would be charged more than somebody with no health problems.

Obamacare will stop this and spread the risk among all the insured. This will reduce premiums for those individuals who are currently priced out of the market. Also, it will require the insurance companies to spend 80% of premiums for individual’s health care. It's the right thing to do.
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