Would you expect someone to write you flood insurance on a house without knowing where that house is located?<p>Should car insurance companies treat a 16 year old with a WRX and a 45 year old with a Camry as equivalent?<p>It&#x27;s really pretty bizarre that we expect people to underwrite our health without any insight into what risks we choose to take with it.<p>We chose the free market as our approach to health insurance, we could at least make it efficient. Right now a lot of healthy, fit people are paying through the nose to subsidize the privacy of those with sedentary lifestyles.