Great idea, bad execution.
Want to help the medical system? Introduce a requirement for a general checkup on a periodic basis. Depending on the outcome of the examination, you are handed out health demerits. The demerits count for a certain percentage of the cost of a medical procedure/care. The more demerits you recieve, the more you pay.
That's right fatty/smoker/alcoholic, your disgusting habits will no longer be picked up by the bank of the people.
/grumble
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