(Bloomberg View) –Most Americans know they have a personal credit score, and many know where to find it. Few know they also have a personal health-risk score.

If these were better known, and better constructed, health insurance markets in the U.S. would work more smoothly.

Related: Hospital leaders want more use of analytics, survey says

Commercial health insurance plans, as well as Medicare, Medicaid and other government programs, generate risk scores every year for most of the people they cover.

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