answer:If we did that, then everyone in the lower-risk groups would pay considerably higher premiums, and those in the higher-risk groups would pay much lower premiums. That would have the effect of causing many low-risk people to opt out of insurence altogether, because they’d perceive that their level of risk was not worth the cost of the insurance. Meanwhile, high-risk people would sign up in record numbers for the opposite reason. This would have the effect of increasing the riskiness of the pool as a whole, which would drive up costs, which would drive up premiums, which would cause even more low-risk people to opt out, etc. I disagree that the actuarial tables are meaningless. They are constantly updated to reflect current trends.