The whole reason for health insurance in the first place is for healthy, wealthy, or young people to pay for unhealthy, poor, or old people. That’s the whole r

The whole reason for health insurance in the first place is for healthy, wealthy, or young people to pay for unhealthy, poor, or old people. That’s the whole reason for any kind of insurance. It’s a mechanism for lucky people to pay the costs of unlucky people. And even lucky people pay for it it because you never know how your luck will change. If you take your idea for a pricing model to the extreme, everybody pays pretty much what they need to cover their own costs, which could be extremely low or extremely high. This is no different than if nobody had insurance at all.