Perhaps a solution is to reward people to a greater extent for those who improve their health. Quit smoking, premiums come down. Lose weight, premiums come down

Perhaps a solution is to reward people to a greater extent for those who improve their health. Quit smoking, premiums come down. Lose weight, premiums come down. The insurance companies should be working with the doctors and the patients to identify ways they can improve their health to bring down the premium. A healthier person I would assume is a less pecuniary risk to the health insurance company But they don't seem to do that.