Insurance is financially predicated on everyone (healthy & unhealthy) paying premiums, sharing the risk of getting sick. If you didn’t pay premiums when you were young and healthy then you shouldn’t be able to just hop on board when you finally get DO get sick. The system would never stay afloat. Why would anyone pay premiums for 40 or 50 years if you could wait until the last minute and pay a small fee? That’s not how insurance works. That’s not how MONEY works.