Your logic is flawed. Of course it will help the system, just as many other changes would help the system. If insurance companies were truly able to compete, rates would drop for many, increase for some.
I don't mind sharing risk; I see the difference between sharing risk and subsidizing those who flirt with it.
What part of my logic is flawed? Of course it would have an effect if she paid more, but in the big picture the results would be very minor. Until such time as there is a market driven health care delivery system that is not overrun with the cancer of government micro-management, mandates and interference, it just won't amount to any more than urinating in the ocean. It's just more of putting band aids on severed limbs.