This is a slippery slope because there will always be a group self-righteously pointing a finger at another group that "should pay more".
"You drive more miles than me, you have a higher risk of med bills from a crash"
"You have a house with stairs, you're more likely to have med bills from a fall"
"You do home improvement with power tools..."
"You ride a motorcycle..."
"You drive a convertible..."
"You cook with charcoal..."
etc etc
Case in point is the number of idiots that go hiking in 105 degree temps with 12 ozs of water. The county had to rescue 23 people in ONE WEEKEND. Some get a helicopter ride (its not an ambulance, so they are not billed for it). For free. Yet motorists have to pay for the cost of all the rescue resources dispatched if they drove around a barricade that wasn't taken down from last weeks rain.
HEAT: Rescue teams help several hikers in Pima County
I agree in principal to your argument and I know my views are a bit extreme but as I looked at a list of the 25 healthiest countries, the U.S. is not on the list. So as we talk to the points of funding, then we have to look at the burden behavior puts on the system. There's no way around it.
In regards to a reply touting the Canadian system (earlier post), there are problems with that program also. You blow out a knee and it doesn't guarantee you're going to get an MRI anytime soon unless you want to pay an additional $1,000 to go to the head of the line. Only so many are allotted at a given facility that are paid by the universal program. How many people come down to the U.S. for major surgery? If you're having a heart attack or have cancer then you will be well taken care of. Many people buys supplemental insurance to fill the gaps.
I won't even mention the Canadian tax rates.