They're trying to explain why they want to charge higher premiums for X vs. Y. They can either explain their entire business model for X in isolation, including

They're trying to explain why they want to charge higher premiums for X vs. Y. They can either explain their entire business model for X in isolation, including assumed profit margins, investment yields, or simply point out that X is worse by such and such a margin than Y and hence will cost so much more than Y. Oh, and they do NOT want to explain their business model because it has lots of shady bits. E.g. all insurance businesses involve authorized providers who bill fictional rates and then accept discounted payments the customer doesn't see. (How can replacing a $50 moulded part cost $2000? Why does spending 15 minutes with a $200,000 ultrasound machine cost $4000?)