[intellegacy]

If you get in a car accident, you pay more in increased premiums. That gives people incentive to drive safe and punishes people who get into more accidents.

If you remove any sense of personal responsibility from people's health, they will have no incentive to take care of of themselves. Everything they suffer will be covered by insurance (ie. other healthy people). That's how it is right now. Healthy people are not signing up for these shitty health insurance plans because they are being forced to pay for sick people who eat up 80% ( or some ridiculous number, i don't know what it is) of the actual costs.

It's not about "punishment". it's about people paying their own way. If other people were paying for your car insurance they why not speed, drive drunk, drive recklessly, etc. You are not personally liable for any of your driving consequences.

The reality is that people who are sick are a drain on resources. We have to decide , rationally, how much other people should be forced to pay for these sick people. If you are fine joining a health insurance plan with these people and paying more then fine, all the power to you. So are you doing that?