For sure you can't discriminate based on protected classes such as race or sex. I think that's a good thing even if in the short term it led to more accurate p

For sure you can't discriminate based on protected classes such as race or sex. I think that's a good thing even if in the short term it led to more accurate premiums. There is nothing about a human's race or sex, etc that predisposes them to being a bad doctor. Even if data showed that men make more mistakes than women, there'd still be plenty of individual men who don't. So basing rates on that data would be discriminatory and bad for society. I think this gets trickier when you look at health insurance for individuals. My google research tells me that under ObamaCare you can't be charged more for being unhealthy, but that you can be charged more for smoking. I suppose the logic goes there that quitting smoking is easier than telling your defective heart to be healthy. A smoking addiction is relatively more under your control than some other health conditions. Thanks for the discussion! I've learned a lot from trying to do research and formulate my own views about healthcare in this thread.