Erica Ravin-Anand Posted almost 2 years ago Should health insurance be related to a patient's risk? I tried make it clear that the question really doesn't focus about people who get sick, but for people who have lifestyle habits that affect their overall health. Why should an insurance company pay for medication for someone who is severely overweight, who then gets diagnosed with Type II Diabetes, when they didn't need the medication 1-2 years earlier if they changed their lifestyle? Or a smoker who refuses to quit....not one who tries and tries relentlessly by going to smoking cessation therapy? Many cardiovascular problems begin with the patient not taking good care of themselves, although this is not to say someone who is diagnosed with a congenital problem or develops a heart condition shouldn't be treated. I think that if a method was in place that based insurance on certain risk factors, patients would have an incentive to care for themselves better, because otherwise they would be paying out of pocket.