Insurance works by actuarial tables, the insurer weighing the odds that for instance an obese person who smokes will get sick, high risk, who would be charged a very high premium and/or deductible to receive insurance, unaffordable to most high risk people, so the government could step in, to “insure” those high risk people, in a pool funded by tax deductible gifts (up to say 10% of gross income), that the insurance companies be able to operate as they should in a free market environment.
