Blacks are at higher risk for a number of medical ailments. Should we be able to charge them more for healthcare?

How about the poor?

What if we found that statistically, Muslims cost more to insure.

How about people who otherwise fall into a category of low cost insurees, but can be shown through social networking to be friends with predominantly higher cost insurees?

If in principle you think the market should be able to take all of these factors into account, that's fine. But what is the result? Is our society better off, or are you just arbitrarily sticking to a rigid ideology?