Months ago there were stories around saying that health insurance providers stopped accepting any new clients. Multiple companies all did this, and it seemed like it happened close together. They refused to say why other than using vague business speak... but the theory is that they know lots of people are going to die, and want to reduce the liability footprint they have with payouts. And the ones that are taking new clients are very explicitly excluding damage and injury from vaccines as new policy statements.

It seems everyone knows.