What Happens if You Have a Catastrophic Injury?
And you have private insurance from Guardian?
Before you die,
could the rates for your policy be raised to $3700/month?
Until no healthy person would choose it?
And Guardian ends your policy type in your State
Legally of course, because there is no legal requirement that Guardian honor their commitment,
Leaving you with medical bills of $1,000,000/year.
Which is exactly what you thought Guardian would provide because you contracted with them to do so.
Perhaps there is a taxpayer funded organization that would pick you up.