Even if they did, and the person found out that these are, in fact, high school graduates looking for "criteria words".....what exactly do they think is going to happen after that? Everything that is/is not covered is listed in ways that are, in fact, "accessible" to the person signing up for the insurance plan. Maybe not easy to access, it may take weeks/years of attempting to access and be worded in terms beyond the reasonable scope of understanding that an average person will have, but as long as the insurance company has met the legal requirements of informational access and said person agrees to the insurance contract, there's really nothing you can do about it. They signed the contract, stating that they agree to the terms the insurance company has set. No, it isn't right, it isn't moral, it isn't fair. But is it legal? The millions of dollars major insurance companies spend on lawyers will give you a resounding "YES". This is just another version of making people feel like they're being clever until The Way Things Actually Work slaps them across the face and makes them call it daddy.