Originally Posted by aico

The reason they did this is because forcing people to have insurance did not scare people who didn't have it into getting it, so that extra money idea failed. So now, people who have insurance have to pay extra to cover themselves against uninsured people. And insured people are more likely to pay more to cover themself, than people with no insurance are to get insurance, therefore making insurance companies more money.

Same concept in porn actually, the whole AVS thing, people who paid to join an AVS were more likely to get out their credit cards to pay again for memberships to other sites, which is why that traffic was and still is better.