In the United States, most citizens buy health insurance themselves or through an employer, and its cost directly depends on age, place of residence, and lifestyle. For example, if a person smokes, the insurance company increases the contribution amount in 40 states.In New Zealand, smokers are also not treated with ceremony: insurance premiums for them reach up to 20%. But in #Germany, they acted differently — there is a bonus system for those who regularly monitor their health.We tell you how in other countries those who treat themselves irresponsibly are identified and what they face for it.Subscribe to NTV