This is how it works in Switzerland except...the insurers aren't allowed to discriminate at all. So ya, the young kids heavily subsidize the elders...the misery of that! (Also, everyone buys insurance themselves, poor people get help, your employer doesn't buy your insurance)

And what is wrong with this exactly? We all get old eventually, so this subsidy is actually fair.

> You'll be paying significantly more, with no direct benefit.

Only true if you don't plan on getting old.