You've heard prices have fallen dramatically in the past few years. And, it is very explainable. Companies obtain more information and better information about you before they accept you at their lowest prices. The age of computers and the internet has made it possible for new prices and plans to make it to the market faster than ever. Advances in medical care have made it possible for people to live longer and the savings have been passed to the consumer.
Lower prices require stricter health criteria to qualify.