Subscribers with better health realize that they can reapply for and obtain other similar health insurance at low rates for new subscriber that are similar to the original rates of the current policy. Often, the insurer will promote the "new" similar health plans.
Individuals with better health are aware that they can reapply for and acquire alternative health insurance options at lower premiums for new subscribers similar to the initial rates of their existing policy. The insurer typically promotes these equivalent plans as an option.