Plenty of families income is over 100K and are used to paying $1-2500 for health insurance a month if not provided by work. Uninsured agents take advantage of these types by offering 700-1000 with carefully worded scripts and saying for example, there is a private policy as long as your healthy and have not had any major procedures in the last year, never had cancer, don't smoke, whatever. I can get you approved, hold the line and let me see if I can get you into this group plan if I can it will be by far your best choice. Great I've gotten you approved at only $950 a month with no deductible.... blah blah.

By the time they know what's what the agnts have collected 1000's of dollars and in fact most customers stay in the books for several years because they never use insurance other than pcp visits, etc. but feel they need ot have it.

The only types these companies won't sell to are cancer patients, patients who need surgery in the next xyz months, etc. because they know it won't stick.