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There is a danger that in attempting to compete, insurance companies might assume that their insureds are from the more desirable class and make unwarranted assumptions about their future costs.

It has long been argued that in the absence of regulation the natural tendency in the insurance industry would be toward the keenest sort of cutthroat competition

Although regulation in many other industries aims at enforcing competition and preventing artificially high prices, insurance regulation was designed-at least initially-in the opposite direction: preventing excessive competition.

Public dissatisfaction with the increasing cost of insurance, the inability of some consumers to obtain insurance at a price they are willing and able to pay, and a growing philosophy of entitlement have created pressure from some quarters for regulatory programs designed to guarantee the availability of insurance to all who desire it at affordable rates.