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Punished was a bad choice of word, what I meant was charge very high premiums for these people until they are off drugs, or living a healthier lifestyle. This is already the case with life insurance for example. Smokers pay a higher premium than non smokers for the same amount of coverage. Depending on the amount of health insurance you have to take a complete physical before hand. I'm not suggesting we go that far with health insurance but the government likes to tax bad behavior as a deterent I assume, so why not do the same with healthcare.
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