I agree with your sentaments Mafoo and I disagree to a point:
Ethicly you're into some pretty murky territory where there are a whole bunch of factors to consider.
Healthcare is one topic where the word 'fair' can mean a lot of different things. For example:
Do you simply run your healthcare insurance program on the choices people make? The smoking, the drinking the lack of exercise, the poor oral hygene etc? Some of these can easily be measured and some of these cannot.
For example: Is it fair that a person who has a genetic predisposition to high blood pressure, heart disease etc be lumped into the same category as people who have these things due to the choices they make? What about a person who has a genetic predisposition to cancer but you can't measure it in your standardised health tests. Should the person whose condition is unmeasurable pay less than the person whos condition is manifested easily on a standard health checkup? So without going into peoples lives, where do you draw the line?
Tease.
