Insurance is based on a principle of solidarity that is undermined by the algorithms tasked with creating our profiles. As algorithms become more precise, the bill becomes more personalized. Various “at risk” profiles may thus find themselves excluded from insurance schemes, as the costs are so high. Personalization has an obvious legitimacy. But it must be reconciled with equitable access to insurance. It must first be understood that insurance is marked by a fundamental paradox. On the one hand, its very principles assume a … <a href=“https://freakonometrics.hypotheses.org/83564" …