Wrong analogy again.  I pay more for my auto insurance because I chose to buy particular vehicles that young girls like and roll because they aren't experienced enough to drive them.  I choose to keep them because I do know how to drive them and they get great gas mileage.  I am willing to pay my share in insurance in spite of knowing I am paying what I do because other drivers are going to wreck the same vehicle.  At this point in my life, no young person has paid one dime for my health care costs.  Why can't I get the same break they do?  It's called the probablity of my using insurance at a much higher cost.  I get that break for having no accidents with my car insurance.  I will not get a similar break with health insurance, and that angers me.