There was a recent post asking what the self-taught among us feel we are missing from our knowledge base. For me, it's being able to calculate stuff like that for making decisions. I feel like I can spot an equivalence to the travelling salesman problem or to the halting problem a mile away, but anything more subtle is beyond me.
Of course, in this situation, I'd probably just see if I could find a sufficiently large precalculation and just pretend :)
I think you're on the right track, but have identified the wrong place to insert a law. It shouldn't be illegal to do this work. It should be illegal for insurance companies to abuse it through eligibility, premiums, and claims restrictions.