That’s what I was trying to say but I have gotten a lot of flack for it. I think people are getting confused between an individual plan and a group plan where there is a pool of people. Even then, I used to purchase insurance plans at work and we had options as employers as to coverage, deductibles, etc., depending in what we could afford.
Maybe, but there is a pool of people in the IM as well.
It's generally called the standard risk pool. It's a company-wide collection of individuals and families (within a state) determined healthy enough to be insured (underwriting).
Groups can utilize "guaranteed issue" assuming that if you're healthy enough to work, you're healthy enough to insure (after a probation period)