Health care insurance should become more like auto insurance for the following reasons:
Auto insurance can be selected based on individual requirement. It would benefit if healthcare insurance can also be selected on individual's needs. This way healthy people do not have to carry the burden of paying for very sick people or very expensive treatment methods.
Health care insurers should reward people who are staying healthy and taking good care of their health similar to auto insurers who reduce insurance premium for good driving habits and not causing accidents.