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Zuck got the idea from some "books on finance and banking" he read in 2012:

"The whole banking industry is based on charging people different rates."

https://theguardian.com/technology/2018/dec/05/facebook-emai...

No, the SV model would be to treat you for free until you have some chronic condition that locks you in, at which point, they pull the "free" rug, and take you for every spare penny (and sometimes more).

No, a pure SV healthcare model would sell your healthcare records to advertisers.

They would do an end run on HIPAA by serving it up to a machine learning model then sell access to the model.