56. That's not necessarily good news - it encouragers "free riders"
to ride out their no-insurance (and $$$ savings attributed to that choice) until they develop a condition necessitating treatment, at which point they will be able to buy a policy at the same premium as if they had been part of the system and paying into it all along. There needs to be a penalty to discourage this behavior, which rewards free riders at the expense of everyone else.
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