This is a tough topic. On one hand, people really shouldn't end up financially devastated after treating an illness. I'm sure we all feel some mental stress a

This is a tough topic. On one hand, people really shouldn't end up financially devastated after treating an illness. I'm sure we all feel some mental stress at the thought that if something catastrophic and unexpected happens we may be financially screwed the rest of our lives. On the other hand...a lot of people do a lot of stupid things that I don't necessarily want to pay for. Smoking and obesity are two very costly life style choices (Note: I'm aware some people are obese because of medical reasons, I'm not talking about them). And I'm not sure I feel it's fair to pass those costs onto the rest of us who don't smoke and keep a healthy weight and keep our cholesterol and blood pressure and whatnot in a healthy range. Ultimately though, we could get way too nitpicky about "who is doing what to themselves and shouldn't get covered". In a perfect world I think a non-profit health insurance system should be created that everyone has to buy into. On top of that, to keep costs down, the majority of people would try to stay healthy and doctors wouldn't be paid per test. However, I don't think anything we do will work unless we address why health care costs so much and start taking responsibility for our own health.