Health Care System where medical insurance premiums are based on health habits to promote & incentivize preventative health measures & good health. This system would reward healthy people by low health insurance premiums & would charge high premiums for people who do not take care of their preventable health problems (smoking, obesity,etc). Would not penalize genetic defects or unpreventable disease. Mandatory annual exams to qualify, and rates go up if miss annual exam. If one takes care of oneself, then gets rewarded with lower rates. Health insurance is a major economic problem, and most health problems are preventable with good nutrition and exercise, yet most people do not take care of themselves, costing the U.S. billions of dollars. This system promotes individual responsibility. Life insurance companies charge higher premiums for smokers & less health people, so why shouldn't medical insurance companies follow suit.
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I think an efficient way to implement this idea would be to create a "medical credit bureau." This organization would create a "medscore" for each health care consumer. Patients who followed preventative medicine orders would have good medscores, those who eschewed preventive medicine would have lower medscores. The medscore would be accessible by all insurance companies, so it could be taken from insurer to insurer if the person switches jobs. In this system consumers would have the incentive to maintain good medscores to keep their insurance premiums down in the future (just like we don't default on credit cards so we can get a mortgage in the future).