You're in a dreamworld if you think you will actually get a family program around here for anything
remotely resembling what you're describing, at least after you read the fine print. Insurance companies are about statistical risk and net profit. Just look what is going to happen to Colorado
home insurance rates after your big forest fires - they have to spread or zone out the increases.
The whole state could hypothetically be affected. Same here. We have a limited number of regional
trauma centers who can't pick and choose who to serve. The regular people pay for all the shot-up
gangbangers and drug overdosers from the bad neighborhoods in our big cities. And what if another significant earthquake comes along here, or some unexpected big tornadoes in Denver, out
your way. Somebody has to pick up the tag, and believe me, the ins companies have plenty of ways
of weaseling out of their obligations.