[Superman]

I can't argue too much with that, which is the way it's done now....to the extend and using the criteria that a particular insurance company wants to use in pooling risk groups. Then again, the insurance industry has not inspired my trust and I'm not sure that segregating people into finer and finer risk groups is appropriate or efficient. Extended, each person would be in a risk group by themselves.

When I chose the soft drink product as my example, I had children in my mind.

And, I wonder if perhaps product cost presents a clearer, more momentous decision for the consumer than insurance costs that they generally do not understand, might not know the amount of and don't feel is within their control. Rolling all those considerations together into medical insurance premiums hides the details and specifics of consumption decisions. And then there are things like clothing sizes. If Americans were as fit as most other Western cultures then we might not need to make those jeans in a Size 26.

Just rambling......