Also people with pre-existing expensive conditions would need to pay a lot more.
Either, because insurance companies charge them more.
Or, if insurance companies are not allowed to charge them a special price, healthy people will be reluctant to pay for (now) overpriced (for them) insurance.
One clever technical way out is to have your parents buy insurance for you before you are even conceived. This way, because neither the buyer nor the seller of insurance knows what's coming, it's not a market for lemons. (And if the parents genes make this kind of insurance too expensive, because it's expected that you inherit some defects, perhaps they should rethink their decision to procreate with each other. (Just like couples with sickle-cell-anemia on both sides are already advised.))
But of course, people will not be that farsighted, and we don't want to penalize people for their parents making stupid decisions, like not to buy insurance, more than necessary.
So in actual life, a basic version of an NHS like system plus optional extra insurance you can buy seems like the most sensible policy.
Either, because insurance companies charge them more.
Or, if insurance companies are not allowed to charge them a special price, healthy people will be reluctant to pay for (now) overpriced (for them) insurance.
One clever technical way out is to have your parents buy insurance for you before you are even conceived. This way, because neither the buyer nor the seller of insurance knows what's coming, it's not a market for lemons. (And if the parents genes make this kind of insurance too expensive, because it's expected that you inherit some defects, perhaps they should rethink their decision to procreate with each other. (Just like couples with sickle-cell-anemia on both sides are already advised.))
But of course, people will not be that farsighted, and we don't want to penalize people for their parents making stupid decisions, like not to buy insurance, more than necessary.
So in actual life, a basic version of an NHS like system plus optional extra insurance you can buy seems like the most sensible policy.