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Some whole life policies permit the insured to limit the period during which premiums are to be paid.
Moreover, the budget office said, "the House bill restricts more sharply the extent to which premiums can vary by age".
Otherwise, healthy people wait until they are ill to buy insurance, which leads to what policy analysts call a "death spiral" in which premiums skyrocket out of control.
"It's a number of years before we get there and there will be a transition period during which premiums are still going to be high.
Vanderbilt University, for instance, has adopted a wage-based benefit program for 2011 under which premiums will remain the same for employees who make $50,000 or less, while everyone else will pay up to $75 more a month.
As Mr Buffett often points out, the "float" provided by the insurance business, in which premiums are paid well before claims are honoured, is a great advantage in this respect.
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Subaru rates the base engine at 170 horsepower and the turbocharged version (for which premium fuel is recommended) at 224.
Putting regular-grade fuel in a car for which premium is required, rather than just recommended, is far riskier, experts say.
The insured may, at a nominal charge, attach to the contract a waiver-of-premium rider under which premium payments will be waived in the event of total and permanent disability before the age of 60.
Maybe the Qatar Airlines model represents a more attainable future: having traditional airlines, which have more margin for error than newcomers, operate a few business-class-only flights on the routes on which premium seats are in highest demand.
Last week the AA launched its first black box insurance product, which uses telematics to track the driver's performance, on which premium adjustments are made, and is aimed at young and inexperienced drivers.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com