NY doesn’t even rate based on age, only on location. I don’t think that rating only based on a few factors is so bad.
The whole point of ACA is to cover the sick. If their premiums become exorbitant, they’re less likely to get medical help. Downward spiral. Also, the sick are less likely to have a good income to pay exorbitant premiums.
Basically, the previous system was “you need to be already healthy to get coverage.” Insane.
