Then they're not "healthy people". That's not how it's supposed to work. There should be unlimited underwriting to slash premiums for healthy people.
Uninsured sickly applicants with a guaranteed $100K annual claim need to go in the HRPs.
That’s exactly the problem.
People get coverage only when they’re in trouble.
I mean people usually put their money elsewhere, which is completely understandable.
No one ever thinks they’ll get so ill, they’ll die.