Is community rating fair?

A large share of the motivation of the Affordable Care Act is to furnish insurance to those alongside pre-existing conditions. Under the law, insurance is offered to everyone at a price based on overall community risk, non the conduct a opportunity estimated past times the insurance society based on a person's item characteristics. That has been deemed "fair" past times advocates of the law.

I wonder whether advocates of this sentiment are concerned alongside other insurance markets.  Teenage drivers pay a lot to a greater extent than for auto insurance. The quondam pay a lot more for life insurance.  Life insurance companies demand wellness screening before granting a policy. Is this a problem, or the natural together with desirable performance of markets?

In the law, having children has been deemed a pre-existing condition, although it is non quite described every bit such. Everyone is immediately expected to purchase insurance to pay for pregnancy together with motherhood care, fifty-fifty those who never retrieve to accept children. The destination is to spread the conduct a opportunity of childbirth among the larger community.

But having children is to a greater extent than a selection than a random human activity of nature. People who drive a novel Porsche pay to a greater extent than for auto insurance than those who drive an old Chevy. We regard that fair because which auto you lot drive is a choice.  Why isn't having children viewed inwards the same way?

I don't know the response to these questions. But it does appear that fairness inwards wellness insurance pricing is beingness viewed really differently than fairness inwards pricing other types of insurance.  I wonder why.
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