"...it's only fair that those people have to pay more, after all they also cost the insurance more."
Insurance is supposed to spread risk. If your logic were taken to its limit, everyone would pay in the same amount that they were expected to cost - with an added amount to line the pockets of the insurance companies. Then why bother with insurance at all?
Insurance is supposed to spread risk. If your logic were taken to its limit, everyone would pay in the same amount that they were expected to cost - with an added amount to line the pockets of the insurance companies. Then why bother with insurance at all?