My initial reaction is . . . . So?
Insurance is a risk assessment, risk assumption business. It doesn't matter if you are discussing life insurance, auto insurance, homeowners insurance or health insurance.
The underwriter reviews your application and makes an offer (or not) based on a financial evaluation of how much premium needs to be collected to cover the risk.
But apparently some folks think it is UNFAIR to charge some people more than others.
Got an insurance quote? Don’t expect it to be accurate.
About 80 percent of U.S. health insurance plans raise premiums above the original quoted price for a portion of their applicants, according to new analysis.
“Consumers cannot objectively compare health insurance premiums prior to application because insurers base their initial rates on the healthiest applicants, and for many these rates would not apply,”
States including Maine, Massachusetts, New Jersey, New York, Oregon, Vermont, and Washington had no activity in terms of increasing premiums after application. These states use a form of community-based premium rating practice that requires insurers to disregard health status in determining premiums to charge.