Disabled persons constitute a minority whose inclusion in equal-premium contracts imposes net costs on the non-disabled majority, violating the unanimity criterion for legitimate agreement.

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Equal-premium contracts(as used in ethics and political philosophy): Agreements (like insurance plans) where everyone pays the same price, regardless of their individual circumstances or risk level.
Legitimate agreement(as used in ethics and political philosophy): An arrangement or contract that is morally justified and binding because it was created fairly and with proper consent from all parties involved.
Minority(as used in social and political philosophy): A smaller group of people who have something in common (like a shared characteristic or experience) that sets them apart from the larger population.
Net costs(as used in economics and ethics): The total expenses or losses that remain after subtracting any benefits; the overall negative impact when costs outweigh gains.
Unanimity criterion(as used in political philosophy and social contract theory): A rule stating that an agreement is only fair or legitimate if everyone involved agrees to it—no one should be forced into something they don't consent to.

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