> Sounds like you want to apply value calculation to people
To behavior. If you buy a sports car, you pay higher car insurance. If you buy a motorcycle, you should pay higher health insurance. If you live riskily or unhealthily, your coverage should cost more and not be averaged out over the less risky.
Risk calculus should be considered with everything. It's essential to extending a home loan, but not when granting a college loan. Decoupling risk leads to bad outcomes.
> but not the much more common sports that cause significant injuries.
I think sports players should pay more for injury insurance. And roofers, loggers, etc. Those costs will be absorbed by their respective industries where the costs are generated.
> this person does not deserve to live because I don't like their choices
I'm not saying that at all, and that's such a cartoon way of looking at this. You walk into a hospital in America and you get treatment. That doesn't mean you don't have to pay for it.
> I might have thought you could also see how the costs associated with many illnesses might contribute to the proportionally higher tax rates on things like alcohol and tobacco in countries with public health services.
I never said do not tax negative externalities. By all means, please do. We should tax drugs too.
> Your insurance premiums are priced to cover the YouTube stunters, the alcoholics, the people playing sports, the people driving, etc just like a Public Health Service.
I would like them to not. I would like to cover my risk profile.
Everyone should cover their own risk profile. That's fair and equitable.
> Because the metric for success in a public health service is treatment, the system is optimized to treat the most people.
It already does this. This is simply about who gets the bill.