>As it is we have a system of private "insurance" that can't consider the risk level of those being insured. All that means is the companies charge everyone els

>As it is we have a system of private "insurance" that can't consider the risk level of those being insured. All that means is the companies charge everyone else more to subsidize the cost of those who are more at risk. That's what social insurance/welfare systems do throughout the developed world -- make sure everyone's covered at some minimal level even if it wouldn't be profitable when evaluated individually; it's just using insurance companies as an arm of the state to pull it off. If, as it seems, your only objection is to labeling it "insurance", that's not a substantive objection to the merit of the policy, only how it's marketed.