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I don't know insurance law well enough to say if that's legally discrimination.

Now if you're asking me personally, I dislike the insurance industry in general. Insurance shouldn't be required, legally or otherwise. At that point insurance companies can use whatever data they want to price policies, as long as the terms are clear customers would actually have a choice whether they want insurance or not.

Combine that with race extracted from x-rays and AI ... https://www.nibib.nih.gov/news-events/newsroom/study-finds-a...

Companies use many forms of data to change premiums, many you don't have much control over (e.g. what area of the country you live in). Why is that wrong?

Because you can possibly change your address but not your race?

You can change it in theory but if that's where your family, job, kids school, etc are? Then realistically you don't have a choice.