The Federal Government has mandated that everyone buy health insurance. In yesterday's (11.21.2012) Seattle Times there was an article discussing the mandate. The mandate does not allow for any risk costing except smoking and age; from what I have seen.
The age costing appears to limit the cost to an older person to no more than 3 times that of a young adult that essentially foists higher cost onto the young adult! These same young adults are being saddled with horrendous debt. How is this equitable?
There are other factors that need to be allowed to equitably assign charges.
Car insurers charge premiums based on risk. Motorists at higher risk pay more. Health insurance needs to also charge based on risk (factors that are controllable).
I understand that an open comment period to the mandate is to occur soon. Whether our feedback is listened to or not is another story.