The cost of the coverage is spread out over a long period of time and may change with increasing cost of health care. If you don't use it or cannot afford to maintain it you recieve no benefit and premium is forfited.
The cost of coverage is made in one lump sum premium payment. If you don't use it you don't lose it. Your beneficiaries would inherit the amount paid in premium or an increased amount based on underwriting critera established at time of purchase. Increasing cost of health care could reduce benefits, but premium remains guaranteed and may be withdrawn at any time.