Not blaming anyone here, spd. Just illustrating reasons why my monthly premium post-obamacare is over 3x what it was pre-obamacare. There are several reasons for these massive increases but the fact that monthly premiums are now age-ranked is the most important reason with a “sicker population” in older age groups as a byproduct.
In my age group, there are far more people who are ill today thru their own choices in the past than there are “unlucky people” who “inherited” predispositions to certain illnesses.