Let's not forget all of the riders that are added by law. Let's say you are a gay male age 55, do not smoke, drink, or take drugs with no mental illness in your family whatsoever. Guess what type of insurance you have to buy? A policy that has pregnancy rider with mental health coverage, substance abuse, and a lot of other things driving up the cost. And guess what? The same thing holds true for a woman with no kids and no relatives and went through menopause. And you wonder why costs are going through the roof. This has led to more lawsuits. There is no choice in plans when they are all the same.