In the Capitalist inurance industry, those who live a healthy lifestyle pay far less than those hwo do not. For every type of insurance. As a former smoker, I still pay more for health, homeowner's, and even auto insurance than a nonsmoker with an equivalent claim record.
However, I am not forced to pay for the habits not my own, for those people their risk assessment is their own and should be reflected in their bills.
Unfortunately, from one year to the next, the definition of what is healthy changes. Butter is bad, butter is good, eggs are bad, eggs are good, someone who quit drinking is deemed an alcoholic by decree and pays more than someone who drinks, etc.
Ultimately it boils down to what any doctor you have ever seen as a patient scritched down in your file, right or wrong.
In the capitalist system, you have the option of seeking a different provider. If the government decides for you, God help you, you are on your own otherwise--and paying for it.
Actually, if they go ahead with this it will be a shot in the arm to the US medical industry. Lots of Brits, just like Canucks, coming in for medical treatment. “Texas Medical Center Airlines”. I like the sound of it.
Could be a good deal for us.