re: #524 Obdicut

What is the natural market incentive for insurance companies to give insurance coverage to populations that their actuarial tables tell them will cost them more over the life of the policy than that group will pay in?

When do we grant a person enough responsibility over their own life so that, in most cases, they own the task of living well and finding insurance as they see fit in preparation for a time when they are no longer living well, despite their best efforts?