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> The problem is that unhealthy people do not want to pay the full amount of their risk-adjusted rate into the risk-pool.

You think it's a problem that those with genetic disabilities don't want to be priced out of having health care?

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Most unhealthy people are unhealthy by choice.

You got any numbers on that or just bigot bravado?

The majority is somewhere between overweight and vastly obese, which is a choice (even in HN's latest boondoggle of "you lose weight if and only if you are injected the right drugs", obesity remains a choice). Similarly, the vast majority of people don't even meet the basic WHO guidelines on physical activity, which is even more obviously a choice. It is well-known that making these choices precipitates virtually every common, serious disease. Therefore, most people are unhealthy by choice.

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