And who is going to judge all this? Who is going to say who should pay more? There are too many ifs, ands and buts. Even the healthest of people can get sick. Get sick too much and you should pay more, even though you don't smoke, drink, eat too much? Your body produces too much cholesteral, so you pay more because your risk of a heart attack is higher? You pay more because cancer runs in your family? Where does it end?
The insurance companies will say who pays more , because they are the ones issuing the policies. The costs would be determined by an accurate assessment of the real health care costs for treating specific illnesses that certain people are likely to get. Even the healthiest of people can get sick, but they get sick less often, which is why they should pay less for premiums. There is no certainty either way. Someone might get disease or might not. That is why insurance premiums are based upon what things generally cost. If it was certain that someone wouldn't get sick, they wouldn't need insurance, and if it was certain that someone WOULD get sick, no insurance company would cover them. Instead, they would have to pay their money into their health care fund. They would need to invest their money in an account which would earn interest, and which would only be used to pay their health care costs. Some car insurance is like that, too. There are some states in which if you have enough money, you can put it into a fund, and you never have to pay for car insurance. Of course, that is hundreds of thousands of dollars, and most people can't afford that. There are some companies that are literally self insured, like the DuPont company. They make so much money, that they pay for their own insurance.
In terms of where does it end, ultimately, it is based upon averages, and what is known about the odds of a certain person with a certain risk level developing a disease, and how much that will cost to pay for to treat. That is what insurance is.
Perhaps you are talking about socialized medicine, in which everyone simply pays taxes according to their tax bracket, and that pays for all of the health care, so that how likely anyone is to get disease is not a factor in determining each individual's health care costs.
I will say one thing though, about health care reform. Insurance companies should be willing to pay for any treatment method that works, whether it is alternative or allopathic. Insurance companies should also be willing to pay for health and prevention programs, when many times, they work better and are cheaper over the long term than only paying to treat disease once it is fully developed.
