That's simply not how the medical insurance business works. Since the Affordable Care Act, insurers have almost no ability to pick and choose their customers. And since profit margins are capped there is like little incentive to "save" money by reducing medical expenses.
That's not true because they can pick and choose where and what to offer based on geographic areas through the ACA plans. But even more selectively they can offer group plans to employers that incentivize maintaining a healthy workforce. Most unhealthy people don't work good jobs that provide insurance.
