My suggestion that lifestyle choices like Sweet Tea or smoking increase risks to personal health was met with some hostility. In reality land, we'll absolve everyone of their responsibility to eat well, move around as if they were alive, and avoid ingesting concentrated toxins by outlawing risk and pre-existing conditions from insurance companies' gambling methods. Moral Hazard.
I'm ignoring the legions of people born without the muscle proteins to allow them to walk a few miles once in a while, or to digest.  Forget the injuries leaving a normally active person bed-ridden. It's the big, fat, normal, mediocre middle of the bell curve we need to consider.
I'm also consciously ignoring the fact that Detroit, MI and Chester, PA have no supermarkets. We're not talking about opening US Federal Supermarkets. The Burka, the impending caning of a 32-year old mother of two in Malaysia for drinking a beer came up at breakfast this morning, and my five-year-ld daughter said, "Why don't they just leave?" The boy, 8, was confused for a while. The truth is that people are portable, and if the landscape is barren they should move. Change.
I'm focusing instead on the idiots in southern California whose neighborhood burns every year, and they rebuild with insurance money. At some level, all insurance is a gamble, and beyond that level it's not a gamble at all. There is no risk of a flood along the Mississippi flood plain, there is certainty. Now think of the mouth-breathing, gasping obese adults who can't climb a flight of stairs and their families. How long does it take to gain 200 pounds?
There's a non-insurance solution to most health problems, and that is to go back in time to when you were being raised, and pay attention to health class and demand your parents stop feeding you TV dinners. Get into a habit of movement.
If we're talking about including everybody at equal risk, then we aren't planning to retain the insurance company model at all, and the only way to use that insurance model is to start making guidances about lifestyle.
Only the Public Option can do that, and it can't do that here. So what has to happen is a simple Feddie Med insurer, with income-based premiums, providing 100% coverage to all the uninsured who choose to participate. Only then the commercial sector will be forced to compete, and only in this way can a system emerge without destroying its vital components.