Mr. Liam Sloyan:

The research we have shows that people tend to have health insurance when they are older. People buy it in their late 30s when they are starting a family or in some cases at a younger age when they get a job. They hold on to it once they reach a certain age. People are loath to cancel it and as those people get older, the numbers in those age groups get older. We do not see any evidence of an increase in people purchasing health insurance late in life.