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> I really enjoy the fact that young people pay for car "insurance" more because of their increased risk at driving, but old people don't pay for health "insurance" more (if they pay at all) because of their increased risk at getting ill

My health plan, purchased through my state's ACA exchange in the US, costs me as a 57 year old 2.71x what it would have cost a 23 year old purchasing the exact same plan.

I would happily take a 23 year old's car insurance premiums if I could get a 23 year old's health insurance premiums in exchange.

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