 [ Symptoms ] neither my husband nor myself drink or smoke yet we have heard via the media that our health insurance premiums are going to be higher to cover those who do drink and smoke simply because my husband and i both work how is that fair i realize it is called the affordable care act  but those who choose to make bad lifestyle choices should have to pay more for insurance than those of us who make good health decisions [ Disease ] it is either a cardiac issue which can be excluded by doing ecg and echo or a pinched nerve in your neck which can be diagnosed by some physical tests and xray or mri