@SergeantQueen: As for your question about health insurance premiums, to simplify it, if your insurance company charges $1k per month for your health insurance, they are betting (gambling) that your health care will be less than that per month, which it may well be because you might not ever go to the doctor. However, for some people, it will be more than1k if they have something happen (broken bone, need a test, etc.). For some rare people, it may be way, way higher than 1k per month (i.e. cancer or hospital stay for some disease, coma, etc.).
So someone who is relatively healthy will be cheaper to insure than someone who smokes, drinks heavily, does things like meth, smoke crack, heroin, etc.
This is why some people are in favor of helmet laws for motorcycle riders. If the motorcycle rider doesn’t wear a helmet and ends up in a coma, the money comes out of the insurance pool.
This is why there are seatbelt laws. There are less injuries and less expensive injuries when people in cars wear seatbelts. Same with child seats for babies and toddlers (now up to age 8 in New York state).