God bless people so healthy that they don’t need to utilize as many services throughout a year – God bless them for reserving health care time to people who need it more than they do. That’s a gracious act. From the health provider’s perspective on earnings, costs are equal regardless of who you are. Procedures, consultations, and drugs don’t cost more on some people than on others – in theory. Unless, the procedure requires more time due to your BMI for instance. In that way multiple procedures, and longer times required do factor in. And in those cases, costs go up and penalize everyone insured; which is also a reason that healthier people resist entering the pool. But, even healthier people cost money to maintain health, so entering a plan is smart planning. That is, if the system is not rigged against them.