What if we approached health insurance like an actuarial fitness test—where better health earned discounts? This thought experiment looks at measurable, modifiable markers like VO₂ max, waist-to-height ratio, blood pressure, insulin sensitivity, ApoB, strength, and HbA1c, and asks which ones deserve the most weight. The premise is simple: healthcare cost probably won’t improve until health does. Continue reading What If Your Health Insurance Premium Were Based on Your Fitness?