It's a wealth transfer from healthy people to sick people. That's the whole point of health insurance. Older people are sicker and older people are wealthier,

It's a wealth transfer from healthy people to sick people. That's the whole point of health insurance. Older people are sicker and older people are wealthier, but older sicker people on ACA plans are not wealthier than the median. It's a sleight of hand to collate the two (old-rich and old-sick), but sure, if this is such a large concern, the solution is adding means testing, not just leaving sick people with care they can't afford.