It is worth asking: ''Why should government set rates at all?'' Each time government demands a profit-making insurance company to lower its rates for one group or ignore a risk factor, it will necessarily cause that company to raise rates for another group. Non-profit insurers still have to break even on their operations and, for the most part, are subject to the same competitive pressures as their for-profit counterparts. Thus, insurance rate setting by states redistributes wealth from the riskaverse to the risk-prone. When government mandates lower insurance rates for people who drive fast sports cars or build mansions on sand dunes, it inevitably raises rates for careful minivan drivers and inland residents.