The current insurance market is not a permanent thing. If you look at the ACA marketplace, the list of plans changes year by year and that's the same thing that happens on the private market. In that context, what does keep your insurance even mean? Yes, I highly doubt we'll get dropped from our insurance plans in the middle of the year, but those of us on the independent market almost always have to buy a new plan every year. As such, the question of whether or not we can obtain a new plan is extremely important.