Yes, most governments do not allow pricing according to ricks; but, whether insurance will take that risk group and insure them does in fact act as pricing acco

Yes, most governments do not allow pricing according to ricks; but, whether insurance will take that risk group and insure them does in fact act as pricing according to risk. An example is diabetes. As if you are not with an elite insurance carrier via elite high income job you have actually not having insurance and dying from diabetes due not being able to afford insulin shots.