If the government would get it's intrusive and always clumsy nose out of people's private business, insurance companies could offer you, and others, exactly that break. Others like me, probably would not qualify, but we might opt for a very high annual out-of-pocket so that the insurance would only kick in only in case of catastrophe, but would give clients the benefit of the insurance companies negotiated rates with doctors and hospitals. Everything that could be done most likely would be done it the government would simply butt out.
Yes, this should be private enterprise setting the market for insurance. I pay lower auto insurance than some others because of no tickets or accidents. I want that benefit so I drive carefully. In health insurance, I want the benefit of lower premiums because I try to take care of myself.