[mugs99]

It seems unfair that responsible people have to pay huge sums for plans that offer negligible preventive care so that the system can afford to pay for the inevitable health crises of gluttons, smokers and drug-users

If that is true, the insurance industry should have no problem with opening their books and showing us the proof. Why won't they do that?
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[newsworthy]

You think that the health consequences of obesity, alcoholism, smoking and drug addiction aren't driving up insurance premiums?