actually . there are dozens of insurance companies who do that right now. so if you are not a smoker you get a discount on your health insurance. if you actually are a safe driver your health insurance is often lower. there are lots of plans in place that if you participate in a health screening and are on some kind of a health and wellness program you can get again a lower rate in the marketplace. so . getting and encouraging people to participate in the kinds of strategies that we know reduce the chronic conditions. what we have right now in this country is we know that obesity and smoking contribute to our very high rate of chronic disease; about 75 cents of every health dollar is spent treating americans with chronic diseases. if we can convince people and they take some steps to lower their weight to eat healthier meals to get some exercise and certainly to either never smoke in the first place or to stop smoking if you are a smoker we could have a much healthier country. and indeed there are lots of insurance companies who give direct rewards and encouragement to citizens who do just that.
[is there] a way to have low premiums if you are healthy and have few doctor visits except for checkups. ?