re: #124 ArmyWife

What if we bought health insurance like we buy car insurance? If our premiums went up because of other people’s accidents, we would have a cow about this. If our insurance goes up or is dropped because of 18 DWIs, well, that is our fault, now isn’t it?

You car insurance premiums do go up (and sometimes down) dependent on other people’s accidents and other people crimes.

A simple fact, you premium can be larger just because you live in a certain zip code where the crime rate is high, or the amount of accidents are higher.