Obamacare has compensated for this by allowing for "Preexisting Conditions". One the only conditions though that is not covered is Smoking. If you smoke, the insurance companies are allowed to charge huge premiums on you. This is because smoking has become so socially unacceptable. The main reason is the replusiveness of smoking is highly offensive, so therefore is a way for insurance companies to get more money. There are many many other acts, conditions and lifestyles that far worse than smoking but they don't carry the replusive effect. Eg. Being Obese is far worse than being a smoker but it lacks the replusive effect. That's why Obese people are not picked like smokers even though they are in far worse shape.
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