The 20% figure is a fraud.....that’s the number the administration is floating. Strange how they can’t find out anything else about who’s signing up but they know unequivocally that 20% haven’t paid. When these bastards say 20% just double that and you are at least in the ballpark!!
The number is likely not nicley round. You are correct in that the real number is greater, like 37% or maybe 41%
I think it will turn out to be like any other shopping cart where an average of 70% of transactions are abandoned for one reason or another. That is an average. That number could be even higher on something like this where people just logged in to “see what their coverage would be” and were shocked to find out that the 1% wasn’t actually going to pay for the 99%