ABSTRACT
This chapter begins with the simple idea that it is useful for a population at equal risk of suffering equal loss to share the total cost of the loss equally among themselves, unless that risk is a certainty for all of them. But this seems a stretch since people use insurance as a social policy to provide coverage to people at risk for outcomes that some providing the subsidy could not face. Now one might reasonably expect that a rational agent should think that such insurance will be reinstituted under the same circumstances. Contra Launis, solidarity here is akin to a form of charity or mercy. Thus chance solidarity and subsidizing solidarity are quite different from each other. But if the case of being at risk for Huntington's disease is an instance of this, it is an instance of a widespread phenomenon of the use of insurance as an instrument of social policy as well as risk management.
