This is a subsidy for a voluntary high-risk behavior, with the marginal cost paid for by those who choose not to take those risks. Nothing more.
The insurance companies love it because it raises the rate base and they get to play with a bigger cash flow.
Non-discriminatory pooling has to end, both because it subsidizes foolish choices and because it is unjust to those who refuse to take those risks.
You and I will just have to disagree on this one.
Non-discriminatory pooling has to end, both because it subsidizes foolish choices and because it is unjust to those who refuse to take those risks.
Agreed.
A friend with a small business had to pay healthcare for an employee with AIDS who was rarely even at work. It was very unfair.