Quote:Insurers should just create different pools of coverage and care. If you smoke, you have to select a plan with smoker's coverage. This would include more frequent chest x-rays. more frequent cancer screenings, smoking-cessation advice and counseling, etc. If and when you do quit smoking, you are eligible for a lower cost premium in a pool that does not include smokers.


If you are obese, the obesity pool would focus on diet, exercise, diabetes, pulmonary issues, etc.