If you want to insure your car and you park it on the street you may pay more than someone that parks their car in a locked garage. This is your business, and it is also the business of the car insurance company that provides you with the insurance.
Unless you want to completely get rid of the individual health insurance market, then insurance companies should be able to know a heck of a lot about you in order to come up with a fair premium.
A lot of us are fortunate. We are part of large pools of insured. Our insurance companies don't have to know a lot about us in order to set the premiums correctly because everything averages out. We get the advantage of relatively lower premiums without a significant invasion of privacy.
Those who try and get individual insurance are either young and healthy and get to pay less, or old and sick and either get to pay a lot more or get denied.
When you get auto insurance you only need to "rat out" your car. When you get health insurance you need to "rat out" yourself.
Aside from the fact that humans are not vehicles or other purchased items-
I live in the country and park my truck on the other side of my gate-vehicles are rarely stolen or vandalized here-it is remote and folks are armed. I choose to live in a remote place with few conveniences-people who choose to live in cities pay more because there are more people, more exposure and fewer deterrents to the theft and vandalism of vehicles.
It is entirely your choice whether to “rat out” your info, and that is how it should stay-some of us choose not to have our personal information, etc in the hands of any outsider, or out there in cyberspace to be misused or stolen.
The size and kind of monster risk pool that Obamacare insists on creating is unsustainable-even if people had to sign up and start paying at age 12, most would either pay a penalty and save their cash, or wait till they were in a near-fatal accident to sign up for just long enough to get fixed.
I like the old cafeteria plan insurance that Obamacare junkies hate-pick and pay for the coverage you want/need. When people pay for their own stuff, they are not as eager to run to the doctor and take five or six prescription meds every day for life-or to keep gobbling processed, chemically enhanced food and sitting around till they are fat and their knees-and a bunch of other stuff-needs replacing. The whole scam is going to operate in the red from the gitgo, and there will never be enough money to fund it-that is what government does.
If I were young and wanted to have another kid, or if I had some chronic condition that was not surgically correctible, then I would pay a higher premium, period. When it comes to paying for services relative to individual health-one size cannot fit all.