To Pay or Not to Pay

I will preface this by saying I don't know much about insurance. Any form of insurance.

Like, the most I know about insurance is that you pay a certain monthly amount based on your history and likelihood of disaster, and if a disaster should happen, the insurance company will pay a portion of your bills to fix said disaster.

We just got a new car a few months ago. When we got the new car, we switched to Progressive for both cars.

Now, they are telling us that they decided to charge an extra $30/month because Jason doesn't have health insurance. Oh, and by the way, they are going to need that same $30/month for the last 3 months, upfront for the next bill. Next week.

Why in the world would they decide that NOW? And why in the world would they suddenly spring it on us that they are charging us retroactive for the past 3 months? And WHY in the world does it even MATTER if he has health insurance or not? They didn't bring it up when we acquired this plan 3 months ago. It wasn't part of the application process. I'm not sure I understand why they suddenly changed their minds.

I am of the opinion that one would tend to drive more carefully if they don't have health insurance. Because hospital bills are a lot harder to pay without health insurance. And vehicle insurance companies like to see you driving safely so that you don't get in a crash. So they don't have to pay for your car to get fixed. So they can keep all your money like the greedy bloodsuckers they are.

Right?