The Scenario: I am a 63 year old male. I'm married with grown children and grandkids. To everyone but my family, I am somewhere between a nobody and a statistic. I work at a job that is tolerable and stable enough to look forward to retiring at my full retirement age of 66, even though I could live on the Social Security that was available to me at 62. I have health coverage through my employer via private insurance. I have just been diagnosed with a very serious condition that breaks down like this: Without treatment I will die within 3 months. There is a treatment available which has a 100% chance of extending my life for 9 more months and a 6% chance of curing me. The cost of the treatment is huge in both dollars and health care resources. Here is the question for discussion: Are YOU willing to suffer a 5% increase in your premiums so that the insurance underwriter we share can afford to give me 6 months + lottery odds at a cure? Is it fair of me to ask you to?