A few thoughts on insurance...
Perhaps the problem is not that the insurance companies discriminate, perhaps it is the concept of insurance? Insurance seems to be a quaint notion that if you buy a policy (product?) of the company, other people will pay when you have problems. Sort of a pyramid scheme. With the insurance organizations making hansom profits along the way.
Initially, it would appear that insurance was only intended to cover truly disastrous problems. But, this led to more bureaucratic organizations, that build palaces in their names. With insurance it becomes more profitable for people to sue other people. This creates more bureaucracy, and a need for more insurance. The increase in litigation requires more lawyers, which creates more bureaucracy, and a need for more insurance.
Then we have medical insurance, which makes it more profitable for people to sue doctors, and pharmaceutical companies. The increase in litigation requires more lawyers, which creates more bureaucracy, and a need for more malpractice insurance. And since the doctors and drug companies are increasingly at risk, they increase their prices to cover their increased need for insurance.
With all of this activity, real money starts to appear. With the increase in litigation and the population of attorneys, eventually, you need to be a wealthy lawyer to be able to enter government. This allows increasing complexity in the government, which creates more bureaucracy, and laws increasingly favorable to wealthy individuals. This leads to higher and higher cost for elections, which allows money to control the governmental agenda.
All of this activity initiates a change in our country, from wealth distributed according to ones efforts, to wealth distributed according to ones influence. And eventually to a have/have not society. Which will result in the end with totalitarian government.