[ImPostingOnHN]

The entire purpose of health insurance is spreading risk across a wide and diverse risk pool.

> why should I also be subsidizing Billy "video-games-are-my-exercise" fatass's chronic health conditions?"

Nobody is asking you to: enrolling in insurance is a choice in the USA.

Also, replace "chronic health conditions" with "unavoidable inherited genetic risk factors". We don't want Billy to be screwed for life just because he was born to a suboptimal combination of parents.

[Workaccount2]

The most cataclysmic thing that could happen to healthcare would be chronically healthy individuals creating their own health insurance.

[ImPostingOnHN]

Not really (in fact that doesn't even make sense), but in any case, I think you replied to the wrong post. Your reply doesn't seem to have anything to do with the post it replied to

[Workaccount2]

You said enrolling in insurance was a choice. If everyone with a BMI under 22 who did at least an hour of cardio a week had their own health insurance club, they would be doing excellent with cheap premiums and great care, while everyone else drowned in medical debt as their plans collapsed.

The choice right now is all or nothing. There is no choice for healthy people to only share a plan with other healthy people. If there was, everyone else, especially the least healthy, would be totally screwed.

[ImPostingOnHN]

I am still having trouble understand how that pertains to the post to which it replied. Here are those 2 points again:

1. In the US, enrolling in health insurance is currently a choice (I'm can't tell whether your hypothesis about healthy people is agreeing or disagreeing with this point).

2. We don't want Billy to be screwed for life just because he was born to a suboptimal combination of parents.

Would you mind clarifying the connection here, please?

[Workaccount2]

1. I'm saying the choice is faux. Healthy people will have dramatically lower medical bills throughout their life, so why shouldn't they get discounted health insurance? Which leads to your second point which I already addressed in my initial post:

2. >This is why there is a hyperfixation on shifting blame away from (failing) individuals. The logic breaks when Billy has to admit he just hates exercising.

[ImPostingOnHN]

> Healthy people will have dramatically lower medical bills throughout their life, so why shouldn't they get discounted health insurance?

I never said they shouldn't. It's just a topic totally unrelated to whether or not people are forced to buy insurance, and I'm not interested in discussing that new, unrelated topic.

> Billy has to admit he just hates exercising.

This logic breaks down when Billy actually exercises and eats just fine, but was nonetheless born to a suboptimal combination of parents.