Name calling always effective

So Libby, here is the explanation. You tell me that my son's premiums should be higher because he's a higher risk and your premiums should be lower because you're a lower risk. Same thing should work for health insurance. I eat well, exercise, take care of myself and don't have medical issues. According to your reasoning, I should pay the same as some fat, lazy lard-ss who doesn't take care of themself? Brain surgery!