We do have a technique for battling the second issue you point out at least: open enrollment periods. Of course they are kind of annoying and aren't generally v

We do have a technique for battling the second issue you point out at least: open enrollment periods. Of course they are kind of annoying and aren't generally viewed as acceptable for individual policies.. Maybe the some of effect could be mimicked with coverage start delays and/or extending the minimum length of coverage you can purchase.