Let's say insurance is $400/mo. If my insurance application can never be denied, why would I pay $400/mo when I don't need it? I would wait until I was sick o

Let's say insurance is $400/mo. If my insurance application can never be denied, why would I pay $400/mo when I don't need it? I would wait until I was sick or injured, then buy insurance. If you force insurance companies to always provide insurance, then you have to force everyone else to always buy insurance. Or the math won't work.