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SvennoJ said:

it's a nice popular belief that's it all those purposefully fat americans and chain smokers driving up the prices.

No it's normal people who don't buy insurance till they get sick. 

Btw how much money do you want to spend on, and how intrusive do you want it to be, to check if people lead a healthy lifestyle? Mandatory fitbits that phone your daily activity home?

My car insurance send us a tracking device to analyze our driving behaviour to lower insurance costs. With the idea that it would make people better drivers if they have instant feedback. Actually due to the way it measures it made me a worse driver for the duration (It penalizes braking, better to speed up for a yellow light than stop...) and actually punishes you for preventing accidents. Is that what you want for health insurance?

Or mandatory yearly doctor checkups that add to the strain on the healthcare system? I'm pretty healthy and haven't visited the doctor in 15 years, why burden doctors with checking everyone all the time. (I am visiting a chiropractor weekly for a pre-existing rsi related neck condition which isn't covered here. I can afford it, so no problem, for me...)

It might be a better solution to train more medical professionals. Bigger suply of doctors, salaries can go down. And work on competition in providing medical equipment. Why is that and medicine so expensive?

The free market can do good things. Not for my wife though. She has a rare condition which leaves her with chronic headaches 24/7. It's so rare, there's no money in researching it... (There's one npo working on it, yet they still site a Greek clinical trial from 2007 that needs to be repeated...)

If people buy insurance all of their lives and not when they become old then they will not have issues. You can check if people have a healthy lifestyle by a simple blood exam, it isn't hard mate. 

What insurance companies to evaluate individuals has nothing to do with the system, so does your car insurance.