The Trump administration will soon make it the official policy of the US government that greenhouse gases don’t endanger Americans’ well-being and therefore don’t need federal regulation, Mark Gongloff writes in Bloomberg Opinion. Insurance companies, meanwhile, live in a parallel universe where greenhouse gases are heating the atmosphere and intensifying natural disasters, harming human health, destroying property and raising insurance costs. The government’s universe is an increasingly lonely fantasy world, Gongloff writes, but Americans are trapped in the real one. And it’s about to get more expensive.