If you're seeking coverage for lung cancer, but you chose to smoke, denied.
If you're seeking coverage for type II diabetes, but you weigh 400lbs, denied.
If you're seeking coverage for cancer because you got unlucky with a cosmic ray incident on your DNA, approved.
If you're seeking coverage for a liver transplant because you refused to put down the bottle, denied.
If you're seeking coverage for injuries from an auto accident that was not your fault, approved.
I will NEVER understand why this type of blanket policy is so controversial. Cover bad luck, do NOT cover personal choices. It will fix not only costs, but the moral hazard endemic to the current system.
Or, AT THE VERY LEAST, allow prejudicial adjustments to premiums for fatties, smokers, and alcoholics.
If you're seeking coverage for lung cancer, but you chose to smoke, denied.
If you're seeking coverage for type II diabetes, but you weigh 400lbs, denied.
If you're seeking coverage for cancer because you got unlucky with a cosmic ray incident on your DNA, approved.
If you're seeking coverage for a liver transplant because you refused to put down the bottle, denied.
If you're seeking coverage for injuries from an auto accident that was not your fault, approved.
I will NEVER understand why this type of blanket policy is so controversial. Cover bad luck, do NOT cover personal choices. It will fix not only costs, but the moral hazard endemic to the current system.
Or, AT THE VERY LEAST, allow prejudicial adjustments to premiums for fatties, smokers, and alcoholics.