This site normally is interested in class action suits against insurance companies. But this site is also interested in insurance company class actions in general.
Insurance companies have the most sophisticated actuaries and actuarial studies in the world.
Premiums are allegedly based on the risks assumed by the insurance companies. For example, a life insurance premium for a non-smoker is almost half of that for a smoker. Presumably, the premiums Blue Cross and Blue Shield has charged over the years has reflected the mortality and morbidity and other medical factors. Don't count on it. Especially in Georgia where the Blues after years and years of tax favored status, recently became private companies and stand to profit from the taxpayers allowing the build up of tremendous assets, only to be turned into the private profit of investors.