It's a philosophical/ethical/legal question what should be allowed to go into insurance rates, so relevance is determined by the framework in which you evaluate

It's a philosophical/ethical/legal question what should be allowed to go into insurance rates, so relevance is determined by the framework in which you evaluate things. I am personally ok with higher car insurance premiums for people with a prior DUI conviction, and higher health insurance premiums for smokers; I'm not ok with higher health insurance premiums for albinos, or people with a family history of cardiac problems or family history of type I diabetes -- even though they are mathematically justified (which means that -- not being in either group -- my own premiums are higher as a result).