Quietly without any fanfare, several of the nation’s largest health insurance providers are changing their policies for 2024 to exclude treatment coverage for injuries and illnesses stemming from war, declared or undeclared, riot, or insurrection, as if they know something is coming this year.

Health insurance carriers are readying the helm to not provide pay-outs for claims linked to a host of potential calamities that many believe could stem from a social or economic meltdown.