The problem is we're already doing that, just worse.

Insurance is just risk-pooling. The most effective risk-pooling requires a bigger pool. That's why we have big insurance companies and bigger companies offer better employer healthcare plans.

Well, the biggest pool is the entire US population. So, we should just do that.

We already have socialized medicine. If my coworker smokes, I pay for that. If we're going to do socialized medicine, we should do it right.