If perfectly healthy people start selling organs there are medical implications not the least of which are infection and recovery.
As a result MY insurance would go up. You can't possibly dillute the costs associated with these types of things and nobody knows what would happen down the road. Sure you make $5,000 now but what if complications down the road result in expenses that the donor can't afford? Answer, it hits me in the pocket book not you.
As a result MY insurance would go up.
Not really....the costs associated with the obtaining of the organ, including recovery and treatment of complications like infection would be covered, one would hope, by the purchaser.
In fact, insurance companies could, and likely would, exclude coverage for donation related costs. Similarly, to answer an earlier concern, if the donor later needed, say, a kidney to replaced a failed remaining one, then those costs could also be excluded.
Of course, the government could mandate that companies include coverage, as the government already does for various conditions and treatments, but then that's a problem with government, not with the concept of me owning my body and using it as I wish.