Zero discussion of the 3:1 premium limit in the ACA. The ACA mandates that you can only charge older people 3x the premium you charge younger people. Older people account for an extremely outsized portion of healthcare services received. This means that no matter how little healthcare you need as a healthy young person, you have to pay 33% of the estimated cost of care for someone who is end-of-life and possibly consuming hundreds of thousands of dollars (or more) worth of medical care.
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