> The longer you live the more years you pay premiums. The more premiums the higher your profits.
The longer you live, the more that the cost of your medical care exceeds the premiums that you pay, because the body naturally starts to fail, most acutely and expensively, toward the end of life. This is a big reason why the ACA individual mandate existed, because there is little incentive to pay for care for those who are expensive to care for if healthier people aren't part of the system.
It also demonstrates to why for-profit incentives don't work very well for health insurance at a national scale.
The longer you live, the more that the cost of your medical care exceeds the premiums that you pay, because the body naturally starts to fail, most acutely and expensively, toward the end of life. This is a big reason why the ACA individual mandate existed, because there is little incentive to pay for care for those who are expensive to care for if healthier people aren't part of the system.
It also demonstrates to why for-profit incentives don't work very well for health insurance at a national scale.