[BlueTrain]

If you have to buy insurance on your own outside of group health coverage, as we do, you will see that insurance companies are very interested in your risky behavior, though chiefly it is more in the nature of your smoking, drinking, body-mass index and so on. All of these are on at least one health insurance application. It would be entirely possible that the application could be denied based on your answers. Otherwise they wouldn't bother asking. But on the other hand, they don't ask if you climb mountains, play with skateboards, ride motorcycles, or use dynamite in your job.

Do not imagine that the government will be different. Group health coverage is different by nature. There is no pick and choose (of the insured) on the part of the insurer. There's more to it than that but that's the general gist. In the case of private insurance coverage (not just health insurace), there's always someone willing to insure--at a cost. That's because it is a free market, not that anything is free in a free market except maybe your choices, if you have one. In any case, there is no "requirement" that the government do anything in particular in regards to your behavior, risky or otherwise. It may be in the general public's interest that you not do things that are risky or reckless, but around here, people freely disregard the law when it comes to speed limits. Sometimes that catches up to people, too.