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But the problem is that you are trying to use home or auto insurance style in the healthcare field. Home insurance premiums go down if I live close to a police/fire station, have a new house, and have a smoke detector. There are also a long list of regulations and building codes that standardize things.
The thing is, we are trying to come up with a way to fix the health insurance model without going to socialized healthcare (not that I have a problem with it, if it was done correctly).
And the only way I can see getting a healthier society within the current system is if the profits of the health insurance companies are tied to the health of every person in America. If America is healthy, I have no problem with them making lots of money, if Americans are unhealthy, well then the government should be allowed to fix things and the reserves of the health insurers should go into the red.
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