Hobbit
Senior Member
That means the the obese and smokers won't be paying anymore than the healthy non-smokers, resulting in higher costs for everyone like it is right now.
No, you completely missed the point. Obese and smokers will pay higher premiums. What I was saying is that if you have some obscure family relation to a cancer patient, you could shop around for an insurance company willing to ignore that, just like Allstate has accident forgiveness, and is thus appealing to people with a single blemish on their driving record. However, smokers and the obese would be unable to find cheap and comprehensive health insurance, just as it's hard to find cheap car insurance if you tend to total cars on a yearly basis.