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    Equal premiums without prior knowledge of one's condition... — Carmelics
    Home/Social Contract
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    Challenges→A contractarian cannot easily justify equal insurance premiums for disabled and non-disabled persons.

    Equal premiums without prior knowledge of one's condition require justification that pure contractarianism struggles to supply.

    Social Contract
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    Social Contract

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    knowledge(Distinguished from mere true belief, which may be the product of indoctrination and need not exercise deliberative capacities.)
    Justified true belief — true belief that has been arrived at through the exercise of deliberative capacities, including comparison of and deliberation among alternatives.

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    A contractarian cannot easily justify equal insurance premiums for disabled and ...Currently healthy contractors have a lower probability of needing disability car...Rational contractors bargain based on their own expected costs and benefits.

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    A contractualist can justify equal insurance premiums without prior kn...83%A contractarian cannot easily justify equal insurance premiums for dis...79%The contractualist justification for the equal-premium insurance schem...75%On contractarianism, it is irrational to treat truly powerless persons...74%

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    Disability rights activists, however, would still seem to have a serious complaint to lodge against normative contractarianism, since it is surely the case that there are persons who cannot reciprocate benefits to others. Such persons would be, on the normative contractarian view, beyond the scope of the rules of justice. Recent literature on disability argues that, to the contrary, contractarianism can be inclusive of the disabled. For example, it may be argued that in fact most disabled person

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