I'm just another armchair economist, but in a market based system the risk IMO is that the insuree grabs the preventive offers from insurer A and a few years la

I'm just another armchair economist, but in a market based system the risk IMO is that the insuree grabs the preventive offers from insurer A and a few years later wanders off to a competitor with cheaper rates for that age bracket. So insurer A has no real incentive to prevent illnesses because in the long term, all insurees will switch anyway.