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Originally Posted by DouglasMo
I'm saying don't punish people because they get sick.
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I agree. No one is suggesting that.
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You can have a healthy lifestyle and get cancer.
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Yes, that's true. In that case you wouldn't pay a higher health insurance premium.
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You can have an unhealthy lifestyle and not get sick. How do you know the future? This whole thread is ridiculous and unfair by your rules. and I am out of it.
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If you would just think about it, it would work the way that most insurance works. As I said: If you buy a house in a flood zone, you will pay more for insurance to cover the risk of flooding. But the insurance company doesn't know if, or when, the next flood will come. It may never come in your lifetime but you will still pay for the risk you take.