At the youngest adult ages that contribute most to premium reductions productivity is largely a function of investment of the parent, so it may be even more dir

At the youngest adult ages that contribute most to premium reductions productivity is largely a function of investment of the parent, so it may be even more dire than you phrase it. Its effectively a transfer of wealth of investment from parents who have just spent 18 years producing a taxpayer to unhealthy non-parents who comparatively took little of the risk and cost but equally gobble up gains to the risk pool. Another words, it is a regressive tax that rewards goading others into taking on parental responsibilities while taking on none yourself.