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Notes -
The problem is that they get blame that ought to go to the medical system generally.
Why is heterosexual Bill paying for homosexual Joe's PREP? Why is thin Larry paying for fat Pete? It's another instance of the social contract meme: https://x.com/kunley_drukpa/status/1858551504073834615
Thin Larry pays for fat Pete just as fat Pete pays for him. Perhaps less, since premiums might have some correlation with health.
Slicing the categories arbitrarily fine just destroys what advantages insurance actually provides.
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