You are correct about these long-term health risks. However, with the premium being so high right now, wouldn’t it make sense to cancel and then reapply while things are still good? That way, you could shop around a bit more and maybe snag a better rate before the health situation worsens. What do you think?

Given my Grade 2 fatty liver and the increased premium from my insurer, would canceling my policy and reapplying later actually save me money? Or might delays result in even higher premiums, stricter requirements, or fewer coverage options?