Aquila,
This is a great opportunity for you to dispel one more myth.
A person works out six days a week, watches what he eats, is a healthy weight and has no illnesses. He has never smoked, never drank, never stds, not into extreme sports or dangerous actions (street racing, bungy jumping ect.).
Another person has never worked out, morbidly obese, life long drinker and drug user, plus they smoke three packs of cigarettes a day and they love to wrestle alligators on the weekend.
They are both paying the same premium! How is that fair?
One does everything they can to live a healthy lifestyle and the other person seems to want to cheat death every single day of their life.
Oh and single payer is coming regardless of what anybody thinks or wants. It will happen.
It just might take at little longer than people expect!
Oh and great post