>When a person gets a life threatening disease they ought not worry about whether or not their treatment will leave their family in penury. This is especially s

>When a person gets a life threatening disease they ought not worry about whether or not their treatment will leave their family in penury. This is especially so in a nation as wealthy as the U.S. The American healthcare system is immoral and I hope it drastically changes. If no one has to worry about the monetary effects of their health choices, poor health choices are incentivized and those who make poor choices are subsidized by those who make good health decisions. The vast majority of healthcare spending in the US is already on preventable chronic conditions yet everyone keeps gorging themselves further into obesity, diabetes, hypertension, CVD, etc. Almost no one is against paying into a risk pool that hedges against unforeseen health problems even though they may never directly benefit. If I pay my entire life to cover someone else's cancer, that's fine with me. What we are sure as hell opposed to is a creating an entire system based on perverse incentives that punishes people doing their best to save their pool from spending on them and rewards those whose voluntary actions are the driving force behind increased costs. And the US healthcare industry is not some libertarian wild west show, it is highly regulated and dominated by the edicts of CMS yet the state of the public's health continues to worsen in ways our forebears who optimistically, though naively, created these programs could never imagine.