Why not prioritize disease prevention programs and motivational programs that encourage healthy lifestyle choices so that we have less sick people to start with? Obesity and poor lifestyle choices are surely among causes of diseases. Less sick people translates into less visits to doctors and less visits to doctors translate into less health insurance prices. If health insurance prices go down, more people would have health insurances.
Let’s try to understand it through an example.
Suppose, visits to doctor cost a person say, “A” $100 a month and another person say, “B” $50 a month. Now, the insurance company that sells healthcare insurances to “A” and “B”, sells each of the monthly insurances for $80. So, “A” and “B” together spend $80 + $80 = $160 to buy their insurances and the insurance company has to spend $100 + $50 = $150 to bear the cost of visits to doctor. Now, suppose “A” and “B” learned to take better care of their health. As a result, they have monthly healthcare costs of $60 and $40 respectively. Now, the insurance company has no way but to reduce their insurance fees. Thus, by taking better care of their health, “A” and “B” forced the insurance companies to reduce prices for insurance.
There can be so many different solutions to different inter-related problems if only we are wise enough to “define” the “problem” we want to solve creatively!