There is no doubt in my mind that St. Maarten has planned all of this since before the EHAS site went active. If anyone has taken a look at the online EHAS form from when the site opened, they have always had a place on the form as "step 3" for "payment". It never said what payment would be for but now we do know. Aruba requires payment for the insurance as you complete their online form. (they call it EDC form)