[roboneal]

"They forego revenue in exchange for the loss control."

You obviously don't understand insurance outside of healthcare, if the insurance companies' underwriters and actuaries do their job right - the profit/revenue of all policy types is the same regardless of risk.

High risk=High rates, Low risk=low rates. Revenue/risk is balanced.

We all suffer spiraling healthcare costs because there is little correlation to what you pay for healthcare insurance and your overall risk to the insurer.

"Group underwriting" only exists in the healthcare industry - no where else.