What is often missing from the debate is that prohibiting the use of legitimate, actuarially sound factors means that an insufficient bulk is being charged for a given risk, and there is thus a deficit in the system. The botch to address the deficit may mean insolvency and hardship for all of a company's insureds. The options for addressing the deficit seem to be the following: Charge the deficit to the other policyholders or complaint it to the Hole In One Insurance government (i.e., externalize outside of the company to society at large).
There are currently about 150 new patent applications on insurance inventions filed per academic grade in the United States. The weight at which patents have issued beat steadily risen from 15 in 2002 to 44 in 2006.