This "risk-based pricing" means that if you treat your body like a temple you pay less for health care than your counterpart who overeats and smokes a pack a day.

FORBES: Magazine Article

That starts with creating a consumer-credit culture in the first place, plus many of the things lenders take for granted in North America, like individual credit histories, and finely tuned risk-based pricing where the riskiest customers pay the highest interest rates, to cover expected losses.

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Risk-based health insurance pricing is not all sunshine and rainbows.

FORBES: ObamaCare