  The distinction between brute luck and option luck does not exhaust the possibilities. Most luck is a bit of both. Option luck varies by degree, but it is unclear how the determination of equality of resources should accommodate this fact. Moreover, the insurance decisions on which Dworkin's procedures rely clearly mix together the brute and option luck he wants to separate. In deciding on hypothetical insurance for health care one will take account of the likelihood that one will engage in imprudent behavior that will affect one's health status.