That's the right way to think about it when choice is involved, for example smoking. You choose to smoke, you belong in a high risk pool. But if it's something

That's the right way to think about it when choice is involved, for example smoking. You choose to smoke, you belong in a high risk pool. But if it's something that could happen to any one of us, then we all belong in the same pool. We know a congenital heart defect is going to be expensive- but any one of us could have been born with one. I think there is a coming fight over whether insurance can pool & price discriminate based on other things too, like healthy eating or active vs sedentary lifestyle. Eating junk food & laying on the couch your whole life has always been high risk but now with technology it could be measured & priced.