It's an interesting problem. The point of insurance is to pool risk -- if "healthy" people have their own pool, the pool will need to pay out less, and therefor

It's an interesting problem. The point of insurance is to pool risk -- if "healthy" people have their own pool, the pool will need to pay out less, and therefore be cheaper. But this has its inverse: the "normal" pool now becomes the "not healthy" pool. It'll have to pay out more, therefore cost more. If life insurance was mandatory for whatever reason, this would be a no-brainer. But assuming that health/life insurance is optional, do "healthy" people have an obligation to subsidize "not healthy" people's risk pools?