It also fails to take into account the fact that eating clean and exercising daily doesn't eliminate your risk of getting cancer at age 40 or having your car's brakes fail randomly.

Its dumb to create an insurance program using anecdotes.

The system can accommodate (and frankly is the ideal many people strive for) some health nut getting long drawn out cancer battle at 41. Its rare enough to be noise in the giant money payout pool.

Obesity and it's litany of health effects are not rare, and next to age, are a dominating signal drawing money from the pool.