Insurance Based on Behavior Risks

GwynApNudd said:

Or everyone who spends a a lot more time in their house than average -- as the saying goes, 90% of all accidents happen in the home.

Seriously, though, insurance companies that lose money in exhorbitant claims go out of business. On the other hand, insurance companies that overcharge a population lose that population's business. That is why insurance companies hire people called actuaries to impartially and scientifically assess the the actual risks. They need to take in enough money to cover claims, without charging so much as to drive their customers away. If insurance companies don't see a need to charge gays exhorbitant rates, then that indicates that they don't think they are, on average, going to have to pay out exhobitant claims.

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UberLutheran said:

Perhaps women should have to pay more for health insurance for being high-risk people?

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