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Sounds like you are young and because you are young you are receiving the privilege of paying less premium for health care. Health Insurance for better or worse

Sounds like you are young and because you are young you are receiving the privilege of paying less premium for health care. Health Insurance for better or worse heavily discriminates against the older folks. >> the risk in the public ACA pool is lower than the employer's pool of employees as a general rule, the public pool is substandard rating.

PEJOE 5y ago
> worse heavily discriminates against the older folks The ACA is actually a wealth transfer from the young to the old, like social security, because the young pay much more than their portion of healthcare costs, while the old have a ceiling on their healthcare costs. Whether this is good policy is for the think tanks and politicians, but after the ACA it is not true that health insurance discriminates against older Americans.
paxys 5y ago
> because you are young you are receiving the privilege of paying less premium for health care That's a weird way of putting it. Young people are getting far less value from their healthcare premiums than the old. That's how the entire system is able to work. Health insurance, social security, medicare etc. all discriminate against the young in favor of the old. And I'm not passing judgement for or against such a system. That's just how it is.
tolbish 5y ago
> Health Insurance for better or worse heavily discriminates against the older folks. Medicare exists only for the elderly.
throwaway6734 5y ago
As it should. It's incredibly unfair that as a young person I'm forced to subsidize the healthcare costs of older colleagues
- sudosysgen 5y ago
  Well, not really. Unless you die young very rapidly in a way that won't incur major medical costs, you're going to get your money's worth eventually, with the added benefit of stability.
  - throwaway6734 5y ago
    That's assuming I'd work at the same company forever. Different places of work have different insurance plans
    - sudosysgen 5y ago
      If you're in the US, perhaps. The solution to the problem you're describing is single payer healthcare.
      - throwaway6734 5y ago
        I'm not disagreeing

PEJOE 5y ago

> worse heavily discriminates against the older folks The ACA is actually a wealth transfer from the young to the old, like social security, because the young pay much more than their portion of healthcare costs, while the old have a ceiling on their healthcare costs. Whether this is good policy is for the think tanks and politicians, but after the ACA it is not true that health insurance discriminates against older Americans.

paxys 5y ago

> because you are young you are receiving the privilege of paying less premium for health care That's a weird way of putting it. Young people are getting far less value from their healthcare premiums than the old. That's how the entire system is able to work. Health insurance, social security, medicare etc. all discriminate against the young in favor of the old. And I'm not passing judgement for or against such a system. That's just how it is.

tolbish 5y ago

> Health Insurance for better or worse heavily discriminates against the older folks. Medicare exists only for the elderly.

throwaway6734 5y ago

As it should. It's incredibly unfair that as a young person I'm forced to subsidize the healthcare costs of older colleagues

sudosysgen 5y ago
Well, not really. Unless you die young very rapidly in a way that won't incur major medical costs, you're going to get your money's worth eventually, with the added benefit of stability.
- throwaway6734 5y ago
  That's assuming I'd work at the same company forever. Different places of work have different insurance plans
  - sudosysgen 5y ago
    If you're in the US, perhaps. The solution to the problem you're describing is single payer healthcare.
    - throwaway6734 5y ago
      I'm not disagreeing