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This is welcome news to former NFL players and their families who are suffering both physically and financially from the concussion-related illnesses they are experiencing.
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Although its not a sound business choice, clearly, I would imagine that enough people would try and game the system that it would wash out the rest of the fiscally sound businesses of the running, as they would be hard pressed to be able to post up the pure numbers of someone trying to game the system.
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While it is great to be insured, you want to make sure that you have funds available to pay deductibles and coinsurance payments if you, your spouse, or your kids need medical attention.