When figuring out your rate, car insurance companies take into account how old you are, how much you drive, whether you smoke, and whether you've been in any accidents recently. (If you're a teenager, you get credit for maintaining a GPA of 3.0 or above; teenagers who are responsible enough to maintain high GPA's generally don't drive drunk.) In short, they want to know how much of a risk you are. All this seems quite reasonable.
When you have your house insured, the companies first take a look at the house and figure out its replacement cost. They then determine how flammable it is and whether you live in a flood plain. Then they check to see whether you have firewalls installed, if the smoke detectors are working, and if you have extinguishers handy. This seems reasonable too.
Yet when you buy health insurance, the only things they check are whether you smoke and if you have a pre-existing condition. One would think that people who exercise, who have low blood pressure, who don't drink or take drugs, and who have a body mass index within the recommended guidelines, would get a more advantageous rate than people who don't. But that's not how it works.
I know, this is self-serving for an exercise addict like myself. And I realize everybody would just lie about their exercise regimen. Nonetheless, it seems unfair that people who take care of themselves must subsidize those who do not.
I guess that's a metaphor for all sorts of political issues.