that is why I said it would lead to too much intervention.....but on the side, and I wouldn't argue this on FR cause of the flak, but I am of the opinion that smokers, obese people etc should pay higher premiums because risky optional behavior does effect all of us in the long run with higher costs, less production etc. I know there are other variables and others will start in with me about other lesser things.....again, this is just my opinion.
I agree with you. If you are a smoker or a glutton, the insurance company's have every right to charge you for it. You are free to engage in conduct, but still must face any non-goverment-imposed consequences.