With all due respect, it does not seem to be the same idea at all. I don't want them to pay for their own insurance to the tune of $10,000 a year say, then have surgeries, ongoing treatments and meds to the tune of $500,000 a year and drive up everyones health insurance costs. I want them to pay the $500,000 a year because it was their choice to put the carcinogen into their body. If they don't have the $500K then they die.