Quote:Insurers should just create different pools of coverage and care. If you smoke, you have to select a plan with smoker's coverage. This would include more frequent chest x-rays. more frequent cancer screenings, smoking-cessation advice and counseling, etc. If and when you do quit smoking, you are eligible for a lower cost premium in a pool that does not include smokers.


If you are obese, the obesity pool would focus on diet, exercise, diabetes, pulmonary issues, etc.

Ideally, kind of what I was saying. It would be nice if the industries causing these diseases would help subsidise the medical care people will need from them, but others brought up good points in why more gov't control isn't good.


Until there is a way to deal with the middle man, costs won't really come down. How does that happen though? How do you make an insurance company be happy with making less money?


I can see a future of an ebay like site where doctors bid to treat your ailment, but there would still need to be some type of catastrophic plan available.


Something has to give.

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