All this time I thought it was how insurance works.  The larger the pool of people, the more the risks gets spread out so it is less expensive for those who need it the most.  I guess you're right, when someone gets cancer, is pregnant, has asthma, suffers from acid reflux and other common illnesses they should pay more and you should pay less because you're tired of paying more than you fair share because you're healthy and don't plan on ever getting sick and if/when you do, you are happy to pay more respective of your condition. Your socialism example is also true about the fire and police protection that you enjoy, the roads you drive on, the schools your children attend, the military that defends your freedom.....gosh.....there a LOT of socialism in this country that you need to point out as unfair isn't there?