Oh please, insurance premiums are based on the financial risk the insurer accepts. The higher the risk the more the premium. The idea of basing the entire nation's insurance premiums on the financial risk of the 10% of individuals using 90% healthcare is total nonsense. You don't buy insurance to cover that 10% you find a way to pay their bills through taxes or other means. In that way the premiums for the other 90% is based on the other 10% healthcare cost. Lower premiums, smaller out pocket totals and smaller deductibles.