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When the gov't is providing the coverage the gov't is going to look to ban "risky" activities.

As an individual, an insurance company may charge higher rates for a smoker, diver, etc. In a free market I may be willing to pay more to continue my "risky" activity.

However, when the funds for healthcare are sourced through a collective, the gov't can't charge the individual more so it just bans the activity.

Oh, and if I don't like the terms my insurance offers me I can search for another company.

The Gov't will enforce its ban at the point of a gun and throw me in jail for non-compliance.

Free healthcare anyone?
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