This is what insurance and health care does, though. Do you think your premiums are really based on how healthy you are currently? Especially when you have insurance through your employer?

In this last case, you might pay more for certain markers (smoking, uncontrolled high blood pressure, and other wellness marks), but not if you have asthma or migraines, for example. Part of your premium is literally paying for folks that are sick. Paying for other people's pregnancies and children and stuff like that.

Or, you know, themselves when they get unexpectedly ill.

Yes, just like we're forced to pay for police even if we've never been robbed...

That’s literally what insurance is.

If you truly care about costs, and not punishing the sick, single-payer systems are cheaper than private insurance by an average factor of 3[1].

[1] https://en.wikipedia.org/wiki/List_of_countries_by_total_hea...