Hey Mr Rupar … do folks who have speeding tickets pay more for their car insurance or do they get…
Tim Mroczek

You have demonstrated your moral and intellectual inability to understand

  1. My car insurance rates reflect to a large degree my own behavior. I chose to speed or run the light. The other differences, like age related ones, are universal and not based on anyone’s individual behavior.
  2. A great many pre-existing health conditions have nothing at all to do with a person’s behavior. They are the luck of the draw. Others, like pregnancy, are necessary for human life to persist — even ones as apparently nasty as your own.
  3. Other pre-existing health conditions arise from someone else’s behavior, such as rape or an employer skimping on health issues at work (unless nanny state OSHA enforces them).
  4. Therefore the logic of car insurance and health insurance is very different, and while the private sector does a good job with car insurance it does a lousy one with health insurance compared to alternatives that have worked for many many decades in other parts of the world.
  5. But your biggest failing is not intellectual, it is moral. You resemble some libertarian sociopath with a complete inability to see that when we benefit from a society we have a duty to maintain it so others can benefit as well. In other words, you are a complete ‘taker’.
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