The Dove Center, Inc is neither endorsing or defaming any particular health-plan, rather we are simply trying to present all possible alternatives to those seeking information.
Insurance companies spend lots of money studying the health habits of individuals.
They can tell you for your given age, habits, weight, height, and socio-economic background what your probable health outcome will be. You will notice that as the risk to you is lowered the cost to you is increased. Look at it from the Insurance companies perspective. You'll probably live until you age 77 as a man and 85 if you're a woman. So, under our system of insurance you only need health insurance between the ages of 1 and 65.