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Originally Posted by TheInspector
You are totally correct, but I think you have confused what IS with how it OUGHT to be--just because that is the reality, doesn't mean that it is right or acceptable. I see that insurance is the problem here--not negligent people. The government doesn't have the right to tell people how to live, unless it endangers other people (people should have the right to endanger their own lives, IMO). Riding without a helmet only endangers the bike rider (and not others). So if the only justification for telling people how to live their lives is so insurance premiums will not rise, that is a weak argument.
The problem with insurance rates is the government's problem--they are supposed to provide for the healthcare of their citizens (IMO). Since they cannot (read: do not want to), they have created the health insurance industry (privatization at its worst). If the government's only solution for their failure to provide adequate healthcare is to impose unnecessary restrictions on how their citizens live, then we are in desperate need of a revolution.
BTW, if you cannot already tell, I HATE insurance. It's the biggest scam EVER. ...and yes, I am ready for everyone to tell me how BAD things would be without insurance (and how naive I am).

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I work for a Health System in Philadelphia in the finance department. I'm not going to get into a big thing, but suffice it to say you know nothing about the business. Socialized healthcare results in horrible standards of care.
Healthcare in the US is some of the most expensive in the world, but it's also BY FAR the best.