[patja]

I would like to get a catastrophic plan that doesn't cover things I would categorize as consequences of bad choices. I get that covering these things is less costly for society than just letting things run their course, but it does drive costs onto everyone else's premium.

Catastrophic plans are still quite costly because they aren't really a pure insurance product. Mine is over 2k/month for 3 people on an ACA Bronze plan with HSA.

[JumpCrisscross]

> would like to get a catastrophic plan that doesn't cover things I would categorize as consequences of bad choices

Like what?

[patja]

Things that are largely caused by lifestyle choices.