Who pays for boozers' care when they overdose, or tobacco users' care when they get cancer? Should we ban alcohol and tobacco?
In a perfect Libertarian world they would have to pay higher premiums for their lifestyle choice. But in reality they want everyone else to share in the cost through premiums.
If you don't like your insurer's pricing policies, the conservative answer is to replace your insurer - not expand government to ban non-rights-violating acts.
I believe the solution is to have as small and unobtrusive government as constitutionally possible. Tobacco, booze, whoring, drugs or whatever behavior not withstanding, my question was what do Libertarians think should be done with the wretches that suffer the consequences of their own behavior.
I'm not a libertarian - but it seems clear to me that a small and unobtrusive government (which libertarians also favor) would not interfere in pricing or service under voluntary contracts such as insurance policies, and that someone suffering the uninsured consequences of their own behavior would be left to voluntary charity.
If you still maintain that "Legalizing drugs is just insane" my questions above still stand, and stand in need of answers.