[nisa]

> If you had to pay an extra $200/mo to your insurance company because you were morbidly obese, one would expect that this would encourage a lot of people to start eating better.

That homo economicus myth is still going strong? Mental issues and addiction don't exist?

> Let the market do the heavy lifting!

What if the market decides it's not worth the risk and costs to cover the unhealthy? What do we do with the disabled that need more medical supervision?

> This is exactly the sort of thing that the market excels at.

...in some idealised simplified textbook version of reality with simple linear algebra.