What are the perverse incentives right now?
Well, right now, no matter how much you smoke, no matter how much you drink, no matter how much you eat, you get the same taxpayer subsidy. Right. So what would be the alternative? There could be a risk-based premium. See, one of the things we have to debate … there is a difference between whether or not you ought to be eligible for a program and how much the taxpayers ought to subsidize you. Those are fundamentally different things. How would you know, for instance, how much somebody drinks? Well, there are lab tests you could take. But does the government want to get into the business of conducting blood tests on people to see what kind of lifestyle they are leading? You know, we are kind of drilling down into the weeds here. My view is there are certain types of services that I think we are going to need to make sure that everybody has. Let me give you possible examples: inoculations against infectious diseases; certain wellness and preventative-care services that are clearly cost-b
