+1 on the insurance.
Given my experience here, with our "Romney Care," I can't say anything bad. Almost all of my clients are getting therapy because of this insurance; it's a behavioral health initiative for families who have this plan. What I don't like is that if you are a working person and your employer doesn't offer insurance, what the state finds for you can still be pretty expensive.
I have mixed feelings about the issues raised in the NYT article. I wouldn't have a problem, because my BMI is 20, I don't smoke, or have any of the other risk factors. But, I know how hard it is to quit smoking. On the other hand, I kind of do feel strongly that people need to take more responsibility for their own health, but we need to help them. Behavioral change is extremely hard and unless most people get support, it's not going to happen. And using one thing as a measure of good health is just dumb.