football is on dude, so i will argue later. But you are straying from the point. You asked lucrum if he would be refrain form taking medicare out of principle. I am saying, in principle, you have a right to get your money plus a return back if you were forced to pay in. Since that isn't an option in medicare, then you should take the benefit.
My dad happened to have a stent put in a few years ago, he is on a private group plan and obviously his premiums weren't effected by the surgery, the private company eats the loss. There is a benefit to banning denial for pre-existing conditions or providing some incentive for a private alternative, but obamacare isn't the answer. If you have a preexisting condition you ARE more risky and your premiums logically have to be higher. i pay higher prems cause i smoke, it makes sense.