More needs to be done to fix cost drivers in healthcare before enacting a universal mandate that all individuals healthy or not be required to pay into the pot.

• Pharmaceutical ads need to be pulled from TV. Got foot fungus? That's great, too bad your aspiration to be a foot model may have gone down the tubes. Don't ask your doctor for a prescription that might nuke your liver down the road. Deal with the minor niggling issues instead of letting the drugs play god with your body.

• Premiums should be higher until you get a physical. You're granted 2 physicals per year. Each physical you have that comes back normal, x of y parameters within range, you receive a discount on your premium. Don't get an annual checkup? You'll pay an inflated premium until you can find the time to get your body's dipstick checked.

• Some things are preventable, others not. Being able to discriminate against smokers was a good first step. It needs to be expanded. Have a history of addiction issues? Bad news Charlie, your body's probably already damaged. Increased premiums.

For universal healthcare to work more discrimination is necessary. Different risk brackets are necessary. Some will indubitably get screwed over and it's a matter of adjusting enough dials in policy to screw over the least amount in the most self-induced manner. Coming down with some rare NK leukemia because of an even rarer mutation in EBV shouldn't up your premium. Getting rushed to the hospital because you OD'd and this is your second relapse should. Likewise having high blood pressure (>185), a BMI over 35, and high triglycerides should put you at a higher premium.