Isn't it better to design health care system based on some form of score, very much like credit score in financial systems? The healthier you live, the less you pay.

Obviously someone who drinks alcohol regularly, smokes regularly, is overweight, ... would be a burden on health care system (in long run) compared to someone who lives with a healthy life style. Why would they both pay the same amount? In a credit-based system the former pays more.

Making some exceptions in such a system is just fine. Not everyone has cancer. Insurance company can easily pay the full amount for these people. It is not the major cost for system.