Yes. There’s a few factors: - higher premiums for everyone because the pool of applicants aren’t that healthy - the super sick people simply die in the first

Yes. There’s a few factors: - higher premiums for everyone because the pool of applicants aren’t that healthy - the super sick people simply die in the first two years - the semi sick people can hang on for years, but weak health may me limited ability to pay because of limited employment prospects - the not sick people will find better prices or simply realize the insurance is overpriced and cancel it