But we have this perfect expectation of how we should and could be in our heads - thinner, fitter, more sensible with money, happier with friends. But we all fail. We just tend to fail in different ways.
Some of us are luckier, their satiety levels are lower, their kidney disease markers are low, no bowel cancer, no mental illness.
Those people won’t need high insurance premiums. But the point of insurance is not to reward the lucky ones, the whole point of insurance is that the lucky ones do subsidise the unlucky.
And please do not think “that person pays into a well researched health plan because they are more intelligent,more handsome, more like me”
If paying into a good health plan is important then simply make everyone do it.
The term is social insurance.
After staring at it for a while it’s the only thing that makes sense.
And then you can use that social pressure for useful things
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