The problem is that in the US, health care costs increase DRAMATICALLY as you age, without any clear upper bound. The ACA has improved the situation signficant

The problem is that in the US, health care costs increase DRAMATICALLY as you age, without any clear upper bound. The ACA has improved the situation signficantly for people who qualify for ACA subsidies, but the subsidy cliff is really uncomfortable for people trying to make long term financial plans. In summary, 25x your yearly expenses when you’re 30 is no where near 25x your yearly expenses when you’re 50, even with zero lifestyle inflation.