It's not about me subsidizing others, I understand how insurance works it's about disproportionate risk. There isn't an emphasis on creating change in society t

It's not about me subsidizing others, I understand how insurance works it's about disproportionate risk. There isn't an emphasis on creating change in society to encourage people to live lifestyles that needlessly expose them to risk, and burden our health system. It's unacceptable to not give people treatment for acute problems. However no-one is talking about how a lot of those acute problems are made much more likely by some lifestyles than others. If you buy car insurance you pay more or less based on your risk factors such as age, experience, points on your license, etc. If people choose to increase their risk for health issues than it seems unreasonable that the rest of us should have to pay for their lifestyle choices. It also seems like any healthcare reform should attempt to encourage people to reduce unnecessary burden on the system. That might make it more possible to increase the amount available to spend treatments for people with terminal illness, because less our of GDP would be spent on treating unnecessary chronic or acute illnesses.