Comment by nradov

That's true to an extent, but the majority of US healthcare spending goes to treating chronic conditions caused more by lifestyle choices than misfortune. There's a fundamental issue in public health policy about individual responsibility and whether to charge people more (or potentially even deny care) over factors at least partially under their control. For example, the Affordable Care Act (Obamacare) allows health plans to charge tobacco users higher premiums. Is that fair? Should we also charge higher premiums to alcohol users or those with sedentary lifestyles? There are no clear right or wrong answers here.