I pay more for my house insurance than I should because the company pays to repair or replace houses destroyed by hurricanes and floods in the South. They also are paying for the 3,600 buildings in the Kentucky tornadoes and the thousands burned in the Western fires.

            If someone’s buildings are in a river flood plain they pay special flood insurance for the right to get any insurance. If I drive certain vehicles or drive in a dangerous area, my insurance will be more than other people’s.

            Basic insurance is a pool of people who try to compensate those people in the pool who have property damaged. The same applies to those in health pools. So many of those in that pool will get sick and the cost is spread among all those in the pool. Some of those in the pool will pay more because they will be more unhealthy than the average person in the pool. Smokers and others who have unhealthy habits need to pay more to compensate the pool for their foolishness. (their personal choices).

            Several smart politicians and companies have decided to charge more for insurance if pool members haven’t had their Covid 19 shots. The expenses for members who haven’t been vaccinated can easily go into hundreds of thousands or millions of dollars. The other members should not have to pay for their choices. Some people have suggested $50.00 per month additional charge. I think it is a great idea. Is it right for a company, a government, or me to pay someone else’s hospital bills when they had a chance to get their shots for free?