If you could commit to one insurer for life, your interests would be fairly aligned, (assuming insurers care about their reputation and don't want to pull the p

If you could commit to one insurer for life, your interests would be fairly aligned, (assuming insurers care about their reputation and don't want to pull the plug as soon as cost > premium.). Suddenly prevention programs would be worth the costs. The problem is that you couldn't switch if the insurer turned out to be really bad, or started to jack up prices. By the way, this is basically how health care works in Europe - single payer 'socialist' health care: More cost-conscious, more prevention, everybody covered, less choice, lower quality for those who could afford it.