Just a point to ponder, but if one does not look after their health (teeth included) it makes everyone's rates increase. It takes no money from society if one chooses to live on sugar, soda, junk food, not exercise, smoke, brush teeth, addiction to alcohol/drugs etc. Etc., but society pays a tremendous amount of money as a result. Meanwhile, a tremendous profit is being made on the sale of the products.

Responsibility of consequences for behaviour  seems to have fallen by the wayside. Insurance companies have risk management premiums but it seems like "universal" anything absolves too many people of personal accountability.  Something needs to change before "universal" is considered a panacea.