Here is how individual insurance policies typically work:

1)Every year insurance companies create a new policy. For the next year they encourage people to sign up, then stop offering that policy to new people after one year. All of these people share the medical costs of everyone in the policy.

2) For the next half dozen years they encourage healthy people to upgrade to new policies. This leaves only the sick sharing medical expenses and the insurance premium goes up quickly.

3) A dozen years after each policy is made no one can afford the premium because everyone in the policy is sick and has major expenses. All of the ill people then lose their health insurance.

4) Now that the ill people have been filtered out from the healthy people they can’t get insurance and are left to die by health insurance companies that could care less.