It's also quite convenient that the contributor group (youngest adults with very little time spent to acquire wealth) are basically subsidizing the richest grou

It's also quite convenient that the contributor group (youngest adults with very little time spent to acquire wealth) are basically subsidizing the richest groups (older adults but still young enough to be on private health care). It's effectively a regressive tax, transfer from the poorer to the richer, due to the way ACA caps the price spread.