Hacker News Reader

Not allowing insurers to charge people who engage in unhealthy behaviour is effectively forcing people who make good health decisions to subsidize people who make bad health decisions. From an economic perspective this has a negative social function, incentivising bad behaviour and punishing good.

Even if it’s not a profit-maker, someone has to pay, and if someone isn’t paying the appropriate premium for their level of risk, someone else in the pool is bearing the cost.

Well, I'm fat and I don't think other people should have to pay more for my lifestyle choices. Doesn't make any difference if the insurance system is for profit or not.