Traditional medical plans are required to accept anyone no matter what health they are in. Think how expensive your car insurance would be if you could crash your car and then get insurance the next day and it was paid for completely? Instead we reward people who are healthy at the time they enroll. Less risk to us means you get exceptional coverage at an unbeatable price. The result is you get a better insurance plan for up to 70% less with the same or lower deductible with a vastly improved network!