What it means

The practice is seen to have severe implications for minority and low-income communities, placing a significant financial strain on those least able to afford it, and forcing some to choose between insurance and other necessities.

Furthermore, the inability to pay for insurance can lead to fines, licence suspensions, and even jail time, limiting economic opportunities and social mobility. 

More broadly, by charging higher rates to those already economically disadvantaged, this practice exacerbates existing wealth gaps between minority and white communities.