[quote=bearishgurl]These “chronic health-care users” run up the premiums for all of us.[/quote]

Agreed with “chronic” users, but there’s also a lot to be said for preventative checkups. If we can catch diseases before they become exponentially more expensive to treat, we all come out ahead.

It’s no different than getting regular tuneups/oilchanges for your car. Sure, spending the time/money every few months is a hassle, but it is a lot cheaper than having to rebuild your burnt out engine.