That is ridiculous. What we are doing is perfectly legal. Do these people think it's fair that a health-conscious individual should pay the same premium as a cr

That is ridiculous. What we are doing is perfectly legal. Do these people think it's fair that a health-conscious individual should pay the same premium as a crack-addict? Remember that we are not going after your average Joe, the ones most affected by this are outliers with dangerous alcohol consumption patterns. Studies have shown that increased premiums for undesired excessive alcohol consumption actually decreases risk for excessive alcohol consumption. In fact, it'd be more shocking if we didn't use these purchases to set premiums. I just made that up, but I wouldn't be surprised to see that in an interview 10 years hence.