This is excellent thinking. Right up there with our system of charging the poor more money for credit. Let's charge healthy people a flat fee, whereas people with conditions will be charged extra (of course) so those with heart disease, diabetes, cancer, people who take drugs (legal and illegal), alcoholics, partake in extreme sports, live in metropolitan areas (increased pollution), people who live in ghettos, people who work dangerous jobs, ie soldiers, police, firemen, etc., Only people who don't need insurance should actually be given a break. Excellent idea. Brilliant.