Originally Posted by RunningB

^This.

At my current age, if I lose my medical in the near future (5 to 10 years) I'm finding another career. Also, any income that I can currently even afford to insure (it's not cheap) I can also replace fairly easily with quite a few other options that I have available due to proper educational planning negating the need for the insurance. I understand that not everyone is in my exact situation and for some it makes sense. If I were 55 and/or a wide body captain making an income that I couldn't immediately replace/didn't have time to work my way back up to, it would be a lot more important to me. Until then I choose not to eat fast food junk on the road, exercise regularly, and put an appropriate amount of my household monthly income into savings/investments.
I wish we didn't have to have 25% enrollment in order for those that want/need this insurance to get it, it could really be a good thing for some (maybe, we don't even really know what anyone would be signing up for). Unfortunetely unless they're willing to pay my premiums I can't just sign up for some mystery coverage just so others can too.