Jesus Christ, you’re an idiot. When the ACA was implemented, health insurance companies rescheduled the premiums where the healthy and insurable individuals had to pay out the nose for the people that were previously uninsurable. The age-based actuarial ratio did not change; it was more expensive for older people before, it’s still more expensive for older people except the nominal dollar amount is higher.

You’re missing the critical point. Tons of previously uninsurable people were not in the risk pool before and now they are. Who pays that cost? Everybody else. Instead of being able to exclude high-risk individuals, like can be done with EVERY OTHER INSURANCE TYPE, the government forced them to be included. Sharing financial risk is not subsidizing anything. Subsidies come into play when you have one group that is far more risky than others, yet pay similar premiums.

Risk pooling for those averse to risk makes sense. Risk pooling for those that definitely have risk is monumentally stupid.

I hope to Christ that if you are a doctor, it’s a PhD of fucking mathematics and not medically related.