OK Lets put all the safe drivers in one company and lower their rates. Then all other drivers will be in another with much higher rates because they're a risk. Or sell hurricane insurance to Florida separate from regular home owners in other areas of the country. That pool would shrink and rates would skyrocket. You see insurance works on pools . Everyone trows their money in big pool, low medium and high risk . Then if something happens and claims are made they go to pool and pay. Everyone pays rates on a sliding scale the lower the exposure to claims the lower the rates. Rates in Westchester NY are far less than Ft.Lauderdale Fl. Not many natural disasters occur in NY but they help pay for them in Florida from the pool. That's what makes it a viable business everyone comes out ahead Low rates in NY help keep Florida rates down. And the companies make money. Partitioning pools will only hurt the consumer with any risk. Low risk low rates low claims low pay out. And visa versa.
What Trump did has given the opportunity for low risk to leave pools that kept rates down for people at risk. The sick and elderly. You are suppose to grow pools not shrink them.Yea it's gonna lower rates but for the HEALTHY another effort to sabotage the ACA just like reducing the advertising budget for open enrollment by 90%. Yes it's true health care is broken but don't make it worst by signing inane orders.
