Insurance is absolutely not here with "the purpose of helping the minority of us." Insurance is a business built on exploiting information asymmetries to make

Insurance is absolutely not here with "the purpose of helping the minority of us." Insurance is a business built on exploiting information asymmetries to make money from groups who they try to show empirically can't actually cost more than they pay. If they can find a way to exploit extra information in order to show you're in a riskier group and hence exclude you from coverage, they will. They have absolutely no reason not to. Insurance companies and you absolutely have an oppositional relationship; they love when we collectively ignore this.