> If insurers couldn't price accurately then insurance as a business couldn't exist. Or they can totally stop pricing people reasonably at all. Insurance is pr

> If insurers couldn't price accurately then insurance as a business couldn't exist. Or they can totally stop pricing people reasonably at all. Insurance is predicated on sharing the risk. If "risky" people get priced out of driving (especially based on things they can't reasonably control!) then its probably bad for society. This is even more true for medical insurance (although laws are probably stronger here). That said, i personally think the government (in us) should be handling medical costs on some level so maybe my opinion on controlling capitalism w/r/t medical insurance isn't the market-driven.