No, it doesn't even work (the most) for them. And they don't find out until that critical time that they're not covered. What it does is give the illusion of

No, it doesn't even work (the most) for them. And they don't find out until that critical time that they're not covered. What it does is give the illusion of high-level coverage so those profitable users keep paying the dole and keep supporting the industry politically.