This is true for any real insurance, but not health insurance. Health Insurance premiums are decided by your employer, someone who has no reason to even be involved. It’s entirely based on how much “benefit” they think they need to give you compared to their peers.

Ditto Skyrim.

Has there been any official rationale for this? It seems like a waste. It can’t be that hard to do, and while the fediverse may not be huge yet, most of its users are the type of power users it would clearly appeal to.