When you get sick...which you will...someone else will for It? The idea of insurance is that everyone chips in to a pool out of which the needs of members are paid for.Some cost more some less. Shared risk.
And that is also why insurance companies are putting a lot of pressure on employers, and the government, to regulate behavior.
Shared risk, shared costs, means that other people will demand a say in how those costs are handled.
And we did have a major medical event in my family. High risk birth, NICU, the whole nine yards.
My employer was NOT happy with me. So much so, it was a factor in my leaving that job. Besides the ethical question of management “knowing” what my costs were (here is a hint, they will always know), they were upset that my kid meant the premiums went up. I had to answer “why” I “allowed it to continue”.
Yes I may have been able to sue, but that would be a career vaporizing move.
Now, many companies require you to be 100% tobacco free as a condition of employment. They also are charging a surcharge if your blood numbers are to high, waist to large, or any other of the flags for higher risk activities.
If YOU are not paying for 100% of YOUR healthcare, the people that do pay for will take a very active interest in the choices you make.
Shared risk means that your health isn’t just your concern.