As a conservative, which by virtue of your being a Freeper I assume you are, you should be fighting to get the damn government out of the health care business and for the insurance companies to charge a higher premium to risk-takers, not bitching about how people consuming a legal product are costing you money.
Think, ladyjane, think!
I agree with you. Higher premiums would solve the problem. You just articulated the solution better than I!