Also, you can't really just look at the small subset of age brackets when discussing health costs per year. Of course younger people are on average going to spend far less than the elderly. Part of the way that insurance is set up is so that the unused Premiums of people such as yourself are used to cover the woman with breast cancer. You are not paying ONLY for directly what you will benefit from, that's not how insurance works. That's what savings accounts are for.
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