Using the same rationale, should location be a factor in health insurance? Access to good facilities would make a difference. Urban areas would most likely have more and better healthcare facilities. Water and air quality would make a difference. Do you walk to work downtown and increase the chance of being hit by a car? Should a person who works from home get a discount because they don't have to deal with all the crazy people out there? We should factor in everything that has a potential negative effect, shouldn't we?