It’s a statistical weighting of the likelihood of your treatment to result in you being able to pay more insurance premiums. With the assumption of diseases and accidents based upon statistical norms, and spread out over a population.

Statistically, as a people, Americans have lost between 1 1/2 and 3 years of projected lifespan due to Covid related deaths. (Although, on the plus side, we’ve had 17,000 times fewer deaths from the flu than normal.)