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Should health insurance be more like car insurance; risk classes tied to premiums?

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Auto Insurance

For example, teenage males are a high risk class for auto insurance and they have to pay a higher rate. The higher rate offsets the more frequent claims made by this class.

Obese people are at higher risk for health problems. So are smokers, etc. People at higher risk incur more cost for treatment. Shouldn’t there be a checklist of conditions that determine health insurance premiums?

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