So if someone develops an Osteopath issue, they would then have to then buy a new plan (after paying for whatever initial treatment out of pocket, since they don't currently have "Basic + Osteopath + 1 + ... + n" insurance), that will cost exponentially higher depending on how rare their condition is, how expensive it is to treat, how many people are in that plan, and how many places offer it.

It also sounds like for every condition and every number of kids you have, you'd need to start shopping for a new plan. And who is going to determine what is in "basic coverage"?

That kind of sounds like a nightmare.

Also, it seems to defeat the whole purpose of group medical insurance, which is to spread the costs of coverage for the unexpected conditions that arise.. The assumption is that some people will need less, some people will need more, and that the healthy are overpaying, and the sick are getting the benefits. The justification for the healthy people to pay more is that one day, they too can and probably will become sick and need the overpayment of the healthy, in addition to the amount they've contributed, to cover their expenses.

Is the fear that we will end up covering irresponsible people, like alcoholics or the morbidly obese? We are doing that already. If not directly with our insurance plans, then indirectly through medical cost increases for the unpaid medical bills of others.
A better solution would be something like a "no claim discount" that most car or homeowners insurance plans provide that would provide a discount for healthy living.

logic fail.