In my opinion I think insurers need to cut people a break who live healthy lifestyles and rarely use the insurance..
My husband and I are in our 50's, do not smoke, drink rarely, excersize, am of healthy weight and have no medical problems whatsoever. We go for a physical about every three years and that is it.
Yes his company pays a high premium and charges some of it back to us. Why are our premiums not lower? Anybody who is like this should have a break.
All insurers could promote this and trust me people would try harder for lower premiums!