Underwriting Likely Affected Soon
We do not observe prices adjusting, yet. I doubt that lasts. It means that if any insurance carrier asks you medical underwriting, the bar could be raised. Or prices could adjust. The flip side is that there is competition involved, which may keep a lid on those effects in the short run. In the long run however, that is different entirely.
Life insurance premiums are a tie (we can find carriers at exactly the same price for a 30-40 yr old female). Medigap does depend on the location (tie in some locations, $5/month in others). My opinion only: this cannot persist, something will have to give. We do have evidence DEEP in the weeds, imperceptible from everyday people (and most agents).
