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Insurance would be made cheaper by spreading the risk out among the healthy and the not so healthy. That is the intent of the requirement in the new health care bill that everyone has to buy insurance. I doubt that it is constitutional, plus it is an invasion of your right to be stupid.
Perhaps a health insurance model that works like life insurance would work. If you start buying in at age 20 the premiums are low and guaranteed to stay low. If you don't start buying in until your 50 the premiums would be astronomical, but that's your choice. We could get rid of medicare completely.
Of course there would need to be a mechanism to keep people from scamming the system. A real problem is those stalwart individualists who swear they can take care of themselves - until they need help. Maybe every year you must file a form stating that you choose to opt out of the health care system. When you're out - you're out until next year. You show up at the ER without cash to pay and they say, "Look here. You said you didn't want to be part of the system. Go bleed in the parking lot." Like someone here said, life is brutal. At some point we have to accept that.
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