I think it makes sense to protect themselves.  While they still can.  And then when medical "insurance" can no longer be turned down because of pre-existing conditions, it will of course no longer really be insurance at all.  Insurance is something you buy "in case" something happens to you, not AFTER something's happened to you.  You don't insure against the possibility of illness when illness is already a sure thing.  That's like a widow buying life insurance on her deceased husband.  Then the whole actuarial science of probability/statistics falls apart and no insurance company (except the single payer "option" known as "government") can survive in a capitalistic system.  But when the government steps in as the Single-Payer-Savior masquerading as a business then "competes" with these real businesses, it actually operates under a whole different set of rules.  You see, they can pay their bills by borrowing from China, printing brand new money, raising taxes... all options not available to a real business.