It's funny watching people arguing about insurance and making broad claims like "theft" etc, when they have ZERO knowledge or education about statistics, the insurance business, how actuarial tables work, and the legal precedents that permit the idea of open market insurance to exist in the first place.

The whole concept behind insurance is based on completely "pure" mathematical calculations about risk and probability of a claim. The criteria used to determine those risk factors have been used for decades because they are the most fair way to spread risk among insured groups of people without unfairly punishing people who are not in the higher risk categories.

If you don't like that, then come up with a better way and try to convince someone (anyone) to willingly buy into it. But that won't happen, because insurance doesn't work that way. Insurance rates for any particular person is based on a cold mathematical calculation of how likely an aggregate group of "people like you" are likely to have a claim, plain and simple. It really isn't any more complicated than that.

If you don't like that, then pile up some cash and self-insure or get enough people to join you to purchase your own group policy, (which will still be charged premiums based on the characteristics of the people in your group). If you can't self insure, then of course you buy insurance because that's what insurance is for (duh). If you are forced to buy insurance because the govt says you do, then that's what elections are for.

Whining about insurance "theft" and claiming that it's unfair for any particular group to get charged higher premiums than another group is simply showing ignorance about how insurance actually works. I know that making fools of ourselves is kind of a sport in here, but this is pretty blatant even for pilots who know everything