Unfortunately there is another dimension here which is that we're allocating a scarce resource (medical care). If one group has significantly higher rates of hy

Unfortunately there is another dimension here which is that we're allocating a scarce resource (medical care). If one group has significantly higher rates of hypocondria (again, I don't know for sure whether this is true, but assume for argument's sake that it is), and we're forced to treat everyone as an individual (i.e. ignore this fact), then this necessarily deprives other groups of resources (medical care).