Increased risk resulting from unhealthy choices should cost more.
The issue here is of course the word and meaning of "choice". Gay men do not choose to be gay, and therefore their health premiums should not be higher than straight males, assuming all other factors are constant because of their homosexuality.
What about smokers? Do all smokers choose to smoke or is smoking somehow determined by one's ethnicity and thus one's genetic ( DNA),
makeup, thereby determining one's addiction potential?
The same can be said about alcohol consumption. Should the premium take into account, whether one's ethnicity plays a role in whether one will become an alcoholic?
What about women and breast cancer? No woman chooses to have breast cancer. However, many American women do choose to use oral contraceptives, which are chemicals known to promote cancer. Should American women, because of their choice of a specific form of birth control now have to pay a higher health insurance premium?
Should married adults face higher premiums if 50% of their children suffer from serious and costly genetic diseases and theses adults insist on avoiding the use of any form of birth control?
And so on...