Modern federal civil rights legislation prohibits race and gender discrimination in many important sectors of the American economy, including employment, education, public accommodations, housing, and credit. No comparable comprehensive federal civil rights legislation bans race and gender discrimination in the business of insurance-a business at the core of legal and social organization, culture, and finance. Why not?
Mary L. Heen, Nondiscrimination in Insurance: The Next Chapter, 49 Ga. L. Rev. 1 (2014)