"Although they are loath to blame lifestyles, liberal health policy folks worry about health disparities. But the reality is most health disparities are due to behavior, not lack of health coverage. Indeed, about 60 percent of medical spending is on conditions linked to lifestyle. This includes diabetes, hypertension and high cholesterol.... People who probably had not spent their own money on medical care in the past decade now have encouragement to get a decade's worth of care the first year or two they are enrolled. As a result, everyone's premiums are skyrocketing and the state and federal exchanges are descending into an adverse selection death spiral."

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