Bias on quoting for future cover
If the system thinks black people are healthier because they spend less on care, is the system used for quoting for health insurance cover?
So if it looks at two identical guys,both same age and weight and went to the same college/uni etc but one was black, would it offer that person a lower yearly rate for the same cover since it thinks they are less risk, bet not. I think they would charge the same and try to market more to black people if they REALY believed it.
I wonder if thats how they noticed.