The car insurance analogy doesn't exactly apply here. With higher car insurance premiums you are penalizing risky behavior, risky driving habits, etc. With higher health insurance premiums you can penalize high risk habits too, like smoking, drinking, recreational drugs.. but some medical conditions that incur high expenses are simply the result of the luck of draw. Why should they pay a higher premium ? Insurance is based on the idea that only a fraction of insurance buyers will face really high costs, and because in the absence of risky habits it cannot be predicted who, the cost will be distributed among all buyers.
“With higher car insurance premiums you are penalizing risky behavior, risky driving habits”
Really? I’ve had damage done to my car that wasn’t my fault and putting in a claim raised the insurance.