Insurance for TLS-VS senior age group

I'm in the process of researching insurance that meets long stay visa requirements. In searching back through this forum, it seems like I see people of the over 60 variety talking about insurance quotes for a couple well under $1000 for a year. When I get quotes from Feather, I'm at over $300 a month for on 60yo and one 65yo. Mondassur, over $80 a month, Insurte over $1200. These are just basic packages. What am I missing?