Just as a caveat: "in decent health" doesn't just mean "in decent health right now". It means "has never had a major health issue that could put you in a high-r

Just as a caveat: "in decent health" doesn't just mean "in decent health right now". It means "has never had a major health issue that could put you in a high-risk group". Individual insurance also means that the first major health issue you have can drastically increase your future premiums.