Millions of people have found a simultaneously grim yet welcome surprise in their mailboxes of late: rebate checks from their car insurance companies which find themselves paying out far fewer claims as a result of COVID-19 “stay at home” orders. While modest, these premium givebacks are, of course, welcome at a time of economic uncertainty.

Unfortunately, people have no such luck with their health insurance premiums. Despite paying these in full, access to healthcare is restricted. Elective surgical procedures and in-person doctor visits are mostly canceled except in emergencies. Insurance companies are certainly having to pay for coronavirus-related claims, but it’s hard to imagine them paying for much else right now outside of babies and heart attacks. That isn’t the fault of Big Insurance, but it’s certainly to their benefit.