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That's correct on all counts except it's also irrelevant whether the variable is a choice or not.

It's a philosophical/ethical/legal question what should be allowed to go into insurance rates, so relevance is determined by the framework in which you evaluate things.

I am personally ok with higher car insurance premiums for people with a prior DUI conviction, and higher health insurance premiums for smokers; I'm not ok with higher health insurance premiums for albinos, or people with a family history of cardiac problems or family history of type I diabetes -- even though they are mathematically justified (which means that -- not being in either group -- my own premiums are higher as a result).

Yes, but that is a different issue as you said in your original comment. Statistically it is irrelevant. The "is it a choice" part also belongs in the "completely different issue" basket, so to speak.

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