Gun Violence Costs U.S. Health Care System, Taxpayers Billions Each Year

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75. But it won't work the way you want if insurance companies treat gun owners like other customers

Insurance companies would use demographic data and crime statistics to create actuarial tables that quantify risk and therefore how much each gun owner must pay. Which would mean that me, a white middle aged man with a graduate education living in a low crime area and a long history of responsible gun use would pay significantly less than a young man living in a high crime area.

Which raises an interesting point - what percentage of that high risk group do you think will actually purchase insurance? Especially since it would be so expensive for them? And if the cost for those in that high risk group is prohibitively expensive, don't you think you have some constitutional issues to deal with, especially if the impact falls disproportionally on certain classes of people or on people that live in certain areas?

And we still have to address the issue of criminals that will not pay for insurance. Who pays their share?