These are businesses who have to underwrite risk and collect payments sufficient to cover those risks.
I’m sure some idiot government passed laws forbidding the insurers from charging extra for some things, so instead they have to refuse coverage to people who otherwise would cost the rest of us money.
Just like a homeowners insurance company might pull out of a state if that state requires them to cover things without allowing them to charge appropriately.
We certainly don’t need to overhaul the entire health care system just to handle little problems like this. If some state really wants to force a private business to cover police at no additional charge as a cost of doing business, they can pass a law, and if the insurers don’t like it, they can simply stop writing insurance in that state.
God forbid we get to the point in this country when government can force a private business to stay in existance, and dictate to that business who they have to serve and how much they can charge.
The net result is in a few years people will pay more for their bad habits and less for their good ones thus transferring the costs where they belong and ending a free-rider problem imposed by government fiat and populist pols.