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US insurance needs to develop a "Health Care SR-22" so the rest of us don't have to sacrifice our retirement goals for the Big Gulp chugging, smoke-a-pack-just outside-the-building's-front-door, no-walking, buffet-busting, lil' Debbie crowd. It's such a scam that drivers are rated, life insurance purchasers are rated, but they don't group the healthy and the morbidly obese/high risk people in their own groups. Doing so would GREATLY enhance the habits of those that are trying to get into or maintain their membership in the "healthy pool".
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