No, that is not how insurance works. Insurance works well when you group people with similar risk profiles together, not by grouping people with dissimilar risk profiles together.
Imagine a world where a 20 year old would be able to buy a 10-year term life insurance policy for the same amount that a 90 year old can. That is essentially what the ACA attempted to provide.
Imagine a world where a 20 year old would be able to buy a 10-year term life insurance policy for the same amount that a 90 year old can. That is essentially what the ACA attempted to provide.