Insurance was already having a slight problem keeping up with the increase of payouts due to old people, who use their care more frequently getting sick from Covid. What happens when we put all these young people back into the social pool (at school, at work, etc...) and even a fraction of them start needing increased medical attention. The system wasn't designed for a larger than normal proportion of young (typically healthy) people to get sick and need health care. Insurance rates are about to go bonkers.