I like Brian’s idea of giving rebates to folks who don’t use the services.

As a fatty – who doesn’t go to the doctor… I’d get a rebate. Seriously… Insurance, IMO, is overused by most – and you’re around sick people when you go to the doctors… so why go willingly.

FWIW – Kaiser Permanente nags you till you do the maintenance stuff. I just did all the female related checks because they kept calling until I cried uncle and made the appointment. Not fun but it had been several years. Despite my high BMI, I still have low cholesterol, blood pressure, glucose levels. I guess I defy the fatty statistics. Yay me.

So under one model proposed here – I’d be required to pay more (because of my weight) and by another model proposed here – I’d be rebated money because I’m profitable – pay the insurance and don’t use it.