If health insurance companies were allowed to price the way auto insurance companies do, the "health care crisis" would be solved. Thus a 16 year old with six tickets, two accidents and a drinking problem pays (a lot) more than a 50 year old with a sterling record. Likewise, an obese, hard-drinking chain-smoker should pay (much) higher premiums than someone who takes care of himself. The problem is, the government does NOT ALLOW this type of premium setting in medical insurance - it would be discrimination.
So once again, government meddling in markets turns a neat and obvious solution into several problems.