With the above in mind? How many will do that? My guess is 1-5% or less. FE coverage is forced savings. With out this those same folks will end up without coverage and the fam will sufferJd, I just don't see it exactly the same as house insurance and I've used the house and car insurance analogy in addressing objections to those where the math did made more sense than over 80s.
Now if YOU were a typical FE person are you telling me you would buy a policy AT 83 that breakeven in 3 years lets say when you expect at least to be around much longer. I wouldn't, I would discipline myself to fund a separate savings acct monthly rather than being in a losing situation after 3 years otherwise. That's what I tell healthier folks worried about getting off a Supplement plan and going to advantage with cost sharing---ie keep making that payment of premium you are now savings to yourself to fund a medical acct .. We know at younger ages the breakeven point of premium vs coverage is never given a thought but at 80 above theres no escaping it