Earlier quoted context omitted.
This is coming and there's a very simple fix. Make healthcare insurance be actual insurance: as in, not a gateway to treatment conditions that are entirely lifestyle driven. Once patients are responsible for the bill and the large middle layer admin crud is taken off the table, medical inflation almost disappears. Take this example of a for-profit facility vs non-profit hospitals [1] Ideally this happens once environ…
How do you delineate between conditions that are "lifestyle driven" and not? When you develop a problem with your body it doesn't come with a receipt listing the cause. I've personally had postural issues that were for many years simply attributed to poor discipline. It later turned out that I have a connective tissue disorder that was destroying the joints in my body. All you I can see your proposition doing is givi…
You wouldn't even need too much surveillance to do this. Give people a yearly "fitness checkup" to encourage physical exercise, monitor weight to encourage healthy eating habits, do periodic drug tests to discourage drug use etc.
If you combined this with a (privacy preserving) fitness band that would monitor your vitals, and only send a list of premiums you're eligible for, you could do even better.
You'd have to account for preconditions that make it hard/impossible to exercise, but this would work for most people.