http://www.ahrq.gov/news/nn/nn012308.htm
Let's go down the list:
1. Heart disease: out of the five major risk factors for this illness(smoking, diabetes, age, family history, and blood pressure), two are preventable and one is easily controllable. There is a LOT of money to be saved here if people were held liable for their bad habits.
2. Trauma: how much of this trauma was due to criminal offense? If so, the perpetrators should be held liable for not only their crime, but also for their victim's medical bills.
3. Cancer: of the major cancers, lifestyle factors are risks for their pathogenesis. If people weren't so fat and didn't smoke all the time, we'd have less breast and lung cancers. These are expensive conditions to treat!
4. Mental disorders including depression: though I do respect psych as a profession, I cannot respect the pushing of the antidepressant-du-jour to generally sad-sack pathetic people with crappy lives, as what the family doctors are taught to do. It's expensive. What they need is to get some personal accountability and lose weight, get a new job, and find purpose in life. That's something medicine can't fix. As Doug Stanhope says, being depressed is a natural reaction to having a crappy life.
5. Asthma and COPD: though I cannot say what one is more expensive, I can say that COPD is usually the result of bad lifestyle habits. If a person wants to smoke, more power to them, but they should have to pay for all of their meds and hospital visits out of pocket or at higher premiums. Health-abiding citizens should not be on the hook for this.
6. HTN: easily controlled with medication. Noncompliance should come with a financial penalty.
7. Type 2 diabetes: again, easily preventable by exercise and not downing 7-11 Big Gulps on a regular basis. If you want to be a slob, pay for the after-effects!
8. Osteoarthritis: usually because you're either old(can't do much about that) or fat(pay up!)
9. Back problems: this is far too vague a description. I can't really comment.
10. Normal childbirth: we need more birth control, government funding to safe-sex programs that ARE NOT ABSTINENCE PROGRAMS, and more access to and LESS STIGMA against abortion. Heck, I'd say that most people should not have children because they just can't hack it, and that option should be readily available. No. Your little angel is not special. If you're lucky, LaSaquashoa will be a factory drone or burger flipper. Crappy people having crappy kids causes crime rates to rise - a secondary cost!