That is what I would like to see with health insurance. You can buy life insurance, car insurance, home owners insurance and renters insurance in most countries and tailor it to your personal needs and even transfer from area to area in a country. Why can't we do this with health insurance? The needs of a young healthy person would vary greatly from other age groups and those that are single versus those that have families. What is so hard with that concept that health insurers and government legislators seem to be the only ones that don't get it? Imagine a government coming out mandating that you have a $50 deductible only on your car insurance, or mandating that every homer owner possess flood insurance?