The reason someone would say it is fair is because insurance isn't designed to just be free healthcare our car repairs or whatever. Insurance is a scene designe

The reason someone would say it is fair is because insurance isn't designed to just be free healthcare our car repairs or whatever. Insurance is a scene designed to deal with the problem that some unlikely events are too expensive to pay for oneself. We pool our money into insurance policies to allow anyone holding the policy to weather such events by the virtue of having guaranteed support from the other policy-holders. However, for this system to work, each person does need to pay in approximately enough to cover the risk they create to the policy. So yes, more risky people do need to pay more, because they are creating more costs to the policy. Basically, insurance isn't free healthcare, and we shouldn't be treating it that way.