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This is what the "free market" will do for you over the next 10 years:
The rapid rise in health insurance premiums has severely strained U.S. families and employers in recent years. This analysis of federal data finds that if premiums for employer-sponsored insurance grow in each state at the projected national rate of increase, then the average premium for family coverage would rise from $12,298 (the 2008 average) to $23,842 by 2020—a 94 percent increase.
I'm sure if people took better care of themselves, that would surely slow the rise of costs.
Employers should reward employees who are in good health with bonuses.