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I can see both sides of the story. I get a better rate on health insurance because I am willing to get an annual checkup, don't smoke, and keep myself in good condition. Also, recognizing the hazards of riding motorcycles, I wear good gear to minimize the effects of falling off. I also ride within my limits and don't stunt.



On the other hand, insurance was originally set up to spread the risk, whatever it may be, among a lot of buyers. Without that sort of coverage certain risky businesses (like maritime commerce in the 15th century) would never have happened.
 
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