The state may not be able to insist...but HMOs might....esp. if they take away benefits or raise rates for those who don't. This is not so far fetched, we currently see insurance incetives given for those who wear seat belts, don't smoke.... If such a move is based on actuarial data it wouldn't be called discrimination would it? Susan *********************************************** The LACTNET mailing list is powered by L-Soft's renowned LISTSERV(R) list management software together with L-Soft's LSMTP(TM) mailer for lightning fast mail delivery. For more information, go to: http://www.lsoft.com/LISTSERV-powered.html