...and paying a fortune to subside everyone else....
Thats how all insurance works. Insurance is a wealth/ risk redistribution system.
People that dont get into car accidents subsidies the people that do.
Professionals that commit malpractice are subsidized by the ones that dont.
The real problem that noone in DC seems willing to talk about it how to reduce the cost of healthcare. Healthcare is 17% of GDP that means
on average you should be paying 17% of your earnings towards healthcare.