That’s monumentally not a good idea

https://www.cdc.gov/chronic-disease/about/index.html

90% of adults will have a chronic condition by the time they are 65.

https://www.aarp.org/health/conditions-treatments/most-commo...

That data alone invalidates any idea of insurance being sustainable, it's a sinking ship.

I, on the other hand, only eat beef, butter, bacon, and eggs and everything is getting better. BUT, I may be in a cult, but this cult has benefits.

No insurance is viable because the risk pool includes people of all ages.

No, insurance is not viable until we fix metabolic health in the masses.

Again, I'm a nut job that has a HbA1C of 4.7 because I only eat beef, butter, bacon, and eggs.

Why even use pools? Ask your actuary about risks.