Let me ask you a question: do you favor charging higher premiums for health insurance to smokers than to non-smokers? Many people do, as did I, and this brief essay explains why I changed my mind as I thought through the ethics underlying corporate health insurance and their consequences. In the end, I realized the ethics are not only troubling but also produce results that undermine the original intention to save money.
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Donald W. Light (1991) studied this question.
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