The US recently did pass a law banning one type of this practice in insurance companies (though not for behavior purposes; due to the US's general disdain for p

The US recently did pass a law banning one type of this practice in insurance companies (though not for behavior purposes; due to the US's general disdain for punishing a person for that which they have no control over, they made it illegal to deny health insurance for a wide swath of preexisting conditions).