Never lose sight of your medical care night mare if you are living in the U.S. You pay double premiums (government medicare plus private insurance) until age 65. Then, after age 65, you may optionally still pay double premiums but somewhat reduced (Medicare parts B&D only, plus private supplemental insurance). Or optionally you may sign up for a heavily subsidized, private medicare advantage plan under which you agree to limit somewhat your choice of providers and either pay only medicare part B premiums and also choose some combination of zero to small additional premiums with various combinations of deductibles and drug coverage. In some of these plans you will purchase separate drug coverage from a private carrier.
Under are U.S. healthcare system, the young and healthy are provided coverage by for-profit, private insurance companies, while the old, sick and dying are dumped mostly on medicare, with private insurers raking off smaller profits from sales of supplemental insurance, or larger profits from massively subsidized medicare advantage plans.
If you are an insurer, you are effectively selling insurance to those who are at very low risk -- equivalent to selling tsuname insurance to Idahoans -- and then once your clients' risk of poor health rises you dump them onto their government backstopped entitlement accounts. From the enterprising capitalist's point of view, not even John D. Rockefeller could have come up with anything more brilliantly, or profitably, sinister than this.