[KC_for_Freedom]

As I see it, insurance companies should be able to discriminate for the very purpose of staying in business.

Interestingly, if insurance companies could do this with great precision, society would be just as well of with no insurance companies.

The value of insurance is that it allows people to pool their risk factors. If you also had to pay for each risk factor the value of insurance would be decreased to maybe the same as just taking the risk that you won't get sick.

[scripter]

Interestingly, if insurance companies could do this with great precision, society would be just as well of with no insurance companies.

I think it's getting closer to that point. Insurance companies are getting more and more strict and finding new wasy to raise premiums to keep their profits up.