I want health insurance based on lifestyle.

Seventy-five percent of healthcare costs comes from treating chronic disease. A significant amount of chronic disease comes from bad behavior– obesity, smoking, sedentary lifestyle, and alcohol. Mostly, these diseases stem from bad lifestyle choices. And our costs for health insurance go up. It goes up for the other people in America who choose wisely and opt-in to a healthy lifestyle full of whole foods, exercise, and moderation in known harmful substances.

And it’s looking more and more like we will be forced by the federal government to purchase health insurance to subsidize America’s addiction to unhealthy lifestyle.

Is it my moral duty, as part of the young insurance pool, to pay for others who have the freedom to choose health, but don’t? I could argue that this should ethically be the case…if unhealthy lifestyle wasn’t such a pervasive problem. You can’t choose your genes. You can’t choose random accidents. You can choose your lifestyle.

I want health insurance based on ideology. I want low cost financial protection from medical catastrophes that puts me into a pool of people who share the same healthy lifestyle behaviors– the one thing we can control about our health.

I surely shouldn’t be forced by the federal government to subsidize a pandemic of lazy lifestyle disease. My lifestyle is harder to maintain than laziness…shouldn’t I be financially rewarded for going out of my way to help myself and our economy?

I’m very happy to be part of an insurance pool for genetic diseases and accidents (things that cannot truly be controlled) but I am against personally financially suffering because American culture accepts and tolerates and markets to a lazy, unhealthy lifestyle.

In the next post, I will show you a type of health insurance that exists today and covers 45,000 people all across America– all based on a financial relationship amongst people who share an ideology. It’s awesome…