Yes it does, but we've brought that on ourselves by insisting that pre-existing conditions (such as obesity, high blood presssure, etc.) cannot be cause to deny coverage or charge higher premiums. Smoking, interestingly, seems to be an exception to that standard.

There is no such insistence in the US. My insurer gives premium discounts to members who maintain a healthy BMI, blood pressure, cholesterol, and blood sugar level. So people with problems on those metrics do pay higher premiums than the rest of us.

God forbid you switch jobs after getting sick.

As long as we have largely employer-based healthcare, the pre-existing conditions exemption is asinine.

Maybe once we have an actual market, we can talk about re-introducing it.