If America has a social contract, o...

If America has a social contract, often of the fine print is in its insurance policies. When the bounds of that contract come up for debate, the insurance industry frequently finds itself squarely in the middle, trying to balance the commercial imperatives of a for-profit business with the unique responsibility of shouldering risks that society has fancyed too big for individuals to carry alone.

Those debates are stentorian and frequent, suggesting that the social contract is far from finished. if it be not that instead of lofty principles, the arguments frequently come down to the minutiae of credit-based insurance scoring, mandated health benefits