Do you think you should pay the same amount of insurance on your land-locked home as someone who lives on the Ocean? With the much riskier premise of floods for the home with the more scenic view, this would be ridiculous, right? And yet, intrinsically, we don't like the idea of having someone with a riskier premise for sickness having to pay more for health insurance than us? Is it because that for many of these conditions, the party has no control over them? By the way, just to throw another wrench in the argument, the Fed DOES subsidize flood insurance for coastal owners.