Insurance contracts are not allowed to be cancelled in lieu of the fulfillment of the liabilities created by the insurance contracts. That's literally fraud and

Insurance contracts are not allowed to be cancelled in lieu of the fulfillment of the liabilities created by the insurance contracts. That's literally fraud and laws were made in the late 1800's and early 1900's to deal with insurance companies that ran this scam for life and fire insurance. The answer is to eliminate health insurance entirely.