Insurance was not supposed to work this way first of all.
You're a woman so we're going to charge you double for health insurance because you know, your boobs might get lumps.
I do agree with people that "rebuild and rebuild and rebuild" in the same area without the codes catching up.. I think if someone is wealthy enough they can afford james hardie siding ALL the way up - for example in a fire zone.
I think the insurance should be the same cost but the payout should be capped based on the decisions that are made.
> Insurance was not supposed to work this way first of all.
Insurance is a mechanism to transfer risk, this is exactly how it works. Actuaries calculate risk, and then the insurance company sells a policy they think they can make money on based on the calculated risk.
US health insurance isn’t insurance, it’s just called insurance for whatever reason.
You're a woman so we're going to charge you double for health insurance because you know, your boobs might get lumps.
I do agree with people that "rebuild and rebuild and rebuild" in the same area without the codes catching up.. I think if someone is wealthy enough they can afford james hardie siding ALL the way up - for example in a fire zone.
I think the insurance should be the same cost but the payout should be capped based on the decisions that are made.