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Isn’t that what we essentially have? Private insurance only covers healthy people, adults healthy enough to work. The rest is punted to Medicare (old and sick) or Medicaid (poor, jiblessand young that are too sick)

Although I am still "healthy enough to work," having no dependents allows me to an optimal loner healthcare strategy: just don't apply/carry health insurance (tyl: 50% of US healthcare is paid for by government funded sources — just single-payer it [for all!] already!).

Instead I am a cash-paying blue-collar degenerate. It works for me because I am too damn stubborn to give even cents to the disgrace we Americants call "public healthcare" — and with no children/wife to support, I can be as wreckless as society damnwell chooses for me to behave.

"Acting rationally in an irrational environment IS IRRATIONAL."

Excluding pre-existing conditions sort of does that.

Can you make a health company that insures not only healthy people is a real question.

Not relevant