Wouldn't it be the kids taking advantage? They fall into non-parents bucket, so yes they are free riders but since they are children I'll forgive them. I don't

Wouldn't it be the kids taking advantage? They fall into non-parents bucket, so yes they are free riders but since they are children I'll forgive them. I don't blame children for not paying their premiums, and since society is about to farm hard on them it's almost a half hearted quid pro quo. Or do my adult premiums go down when I have kids?