@BillW,
Everyone should pay in so it is there when they need it and no magic is necessary.
Just like corporations should magically not have to pay fair taxes.
Young people will opt out of paying for insurance and they are more prone to commit reckless acts and get injured.
Many of them don't have a nest egg to magically pay a first time deductible.
If wishes were horses we would all get a bad cup of coffee.
I say these things about not vaccinating right wing rejects just to piss them off. I am not really that heartless.
Do they deserve sympathy? Not really...
Lucky for them, better people than I are making the decisions.