Obvious to humans, it was more profitable when disguised in the arcane complexities of an AI black box: the poorer you were, the higher the likelihood of sickness and early death. What else was money for, when all was said and done?

Once AI-driven precision health insurance became the norm the wealthiest found their premiums reduced and their access widened. For the rest, their fates proved the mathematical fairness of the prices most of them could no longer pay.