I can see it that way for stuff that turns out to be genetic, because there's nothing the person could do about it. It screws with my ethics and morals, though, for people to have to pay for the choices of others. Like, if someone doesn't bother to brush let alone floss, why should people who take care of themselves have to pay more for dental insurance to cover that person's choices?
And then again choices that may seem poor to you or me might make a lot of sense to someone else, even if it's something crazy like choosing not to brush or floss teeth. It's better not to judge others' choices as poor just because it's what society says ...And by making them pay for something like this we doing just that, reinforcing to them their choice is wrong and thus they need to pay for it. Who is the insurance company to decide what's right and wrong for someone's health? For example, people who have binge eating disorder - I know for a fact that therapists encourage them to stay at a higher weight rather than try to lower their weight and face even worse mental implications. So it's better for their health to be a at a higher weight. The insurance companies just turn everyone into a statistic rather than a person...And it's easy to overlook this because what looks appealing is, it's cheaper that way for them and if it's cheaper to the insurance company then in the long run it's cheaper for everyone who buys it..but I think that's a mistake to look at it that way..There is so much more to it than this I could go on and on but I will stop here..