fuagf, that's politics and Government ...
In the Private Sector, an insurance company
should be able to sell a "bare bones policy"
that only deals with the specific needs of
the customer at that time in his/her life.
For example, should a homeowner pay a
premium that includes the risk of owning
a SWIMMING POOL, even if he/she does
NOT own a swimming pool ... just because
2% of homeowners in his/her state do own
swimming pools ... ???????????
Note: Now let "transgender operations"
equal "swimming pools" ... .
Market Data 
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