Isn't what you describe in the first three paragraphs of your comment the same system as what the person you're replying to outlined in their first paragraph? I

Isn't what you describe in the first three paragraphs of your comment the same system as what the person you're replying to outlined in their first paragraph? It seems to me like you stated you don't think the parent commenter's outline of risk pools is accurate, but then went on to describe the same system. How is it different? Both of you are talking about risk pools consisting of large groups of people with different risk profiles for different healthcare liabilities. The commenter you replied to seems to be talking about this concept breaking down as insurance companies increasingly slice risk pools down such that their profit depends less on understanding the mean and more on predicting the future. That being said, your last point sounds like a decent proposal for how to combat this problem. I'm not sure if it would work in practice, however, as healthcare legislation seems to be hotly contested on all sides.