Insurance companies in business of risks

So, the state of Georgia will raise its insurance rates of its employees. They will raise the minimum fee on people who jump using bungee cords and motorcycle riding.

I worked for the state and they raised their fees on smokers by $400 dollars annually and penalized people who lied about their smoking. That was to reduce health costs to the insurer and the state.

What are do they plan to do next? Ban driving cars and trucks to work? I know a state employee who drove to work, but was involved in an accident before they arrived. That person spent several days recuperating.

How will the state and insurer plan to counter that? Have bus service pick up employees and drive them to work? Or, the state and insurer plan to place state employees in a medical inducted coma and place the employee on the shelf for 30 or more years until they retire? Then the state will release them from the coma.

The state and insurer must remember the insurance is based risk-on-risk. That