Originally posted by feh
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a) Don't many insurance companies screen applicants who have existing conditions and/or bad habits? This makes their premiums go up I would expect, which lessens the burden on more healthy insurance holders. This is probably not true for some insurance-through-work plans, like mine, where we're not screened. But I know screens happen for some private insurance applications.
b) Not all people are insured today. Since, as Steve pointed out, most people seeking care tend to have behaviorial issues, a government plan would cost ME, the healthy-living inexpensive-to-insure-person, MORE.
Disclaimer: I am pretty ignorant about how insurance works, just throwing out some arguments there.
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