Carson wants these decisions made by medical professionals working for insurance companies. This is only one of the articles I’ve read about his views on the subject.
If the government is not involved, you are free to go with an insurance company that fits your preferences.
There are 3 health insurance cost blips.
Pregnancy and birth are a minor blip.
Prolonging death is another. Everyone is going to die. The only question is how much is spent to keep the person alive just a little while longer.
Lifestyle costs between those two is the 3rd blip few want to talk about. Alcohol, tobacco, legal and illegal drugs, STDs, and other lifestyle choices are a major health cost.
Back in the 60s the courts stopped an insurance company that wanted to score all lifestyle costs into its underwriting decisions. But certain lifestyles are very costly.