Are you going to answer my question or not?
Okay, I'll assume you have no idea how these plans work.
The first big mistake people make when they don't know what they're talking about is extrapolate the costs of health care across the age spectrum. They/you assume that we're using the same anticipated expenditures across the age spectrum. That is a MASSIVE miscalculation.
The FACT is that 48.6% of our lifetime health care expenditures are incurred after age 65, Tables 3 and 4:
The Lifetime Distribution of Health Care Costs
Another FACT is that free market health insurance (which in this case would be MA and MS plans) is FAR cheaper when we're younger and healthier. So the first step is to have an age-graduated Medicare coverage rate that increases as we age, requiring younger people's free market coverage to cover more when it's cheaper and when they're younger and healthier.
With me so far?
.