I think you'd have tons of undesirable side-effects. For instance, anyone with a prior history of an illness could never ever get affordable health care. With c

I think you'd have tons of undesirable side-effects. For instance, anyone with a prior history of an illness could never ever get affordable health care. With car insurance, I can understand the principle (bad drivers pay more), but I just don't think it's ethical to let sick people pay (significantly) more than healthy people.