Older people are more likely to have a spouse with insurance or to already be freelancing/contracting and used to providing their own insurance. Even in the day

Older people are more likely to have a spouse with insurance or to already be freelancing/contracting and used to providing their own insurance. Even in the days before Obamacare, I think there was a short time you were allowed to be uninsured without being excluded by insurance companies. COBRA also helps fill the gaps (in addition to Obamacare itself).