That’s why I am 100% against the govt. & employers being the “intermediary” for our routine personal medical insurance. Let us all get our insurance based on our own risk factors and let that personal responsibility start rising or suffer the consequences. Insurance is not supposed to cover every little ache & pain, but that’s what it has devolved into - I also am in favor of govt.-funded clinics for those who cannot afford insurance. Providers can work off their loans at these clinics. For those who have a costly disease that needs a lot of medical intervention, there should be special services for those people once they have exhausted their private insurance.
BTW, I know I am overweight at my tender age of 66, but BP is normal, Blood sugar and cholesterol are fine, my diet is pretty healthy, but not much exercise due to my own attitude. Weight/BMI alone should not be the benchmark, just one factor in many. Heredity/Genes also has an impact. I know many people who would be considered in shape with hereditary heart problems and bad joints from excessive exercise. Never run unless someone is chasing you, I always say. ;o)