Whilst people could accept that the healthy young pay less premiums they cannot accept that men pay less than women. There is always the option to putting all risks into a common pool. The result is the young and male will pay more, the old and female will pay less. Society has to agree which is best. This is a zero sum game. This is also one of those moments we search ourselves on what our values are. We have almost never done that. The government have typically make the choices for us.
Personally I think we ought to pool the risks. That is the meaning of one people. No point if lofty words are not backed by real money.
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