[ipnon]

Insurance only makes sense in the context of making money for insurance companies. Putting these behaviors into the context of saving and improving lives is absurd. The incentives of American healthcare are endangering our lives. "Your money and your life!"

[vmception]

Right, but since they have to pay out sometimes or the ponzi[0] stops as people stop contributing, then this could only rely on the public lack of empathy towards "drug users"

[0] replace "ponzi" with "scheme", "mechanism", or any word you coincidentally apply to financial concepts you happen to respect

[Wohlf]

This is about life insurance not health insurance, health insurance cannot deny you.