Due to the way ACA works (disallows pre-existing condition discrimination) it's young-average[for age] vs old-overage[for age] with a cap on the ratio. Which f

Due to the way ACA works (disallows pre-existing condition discrimination) it's young-average[for age] vs old-overage[for age] with a cap on the ratio. Which functions as a regressive wealth transfer when the premium subsidies get gutted.