I don't like ACA either.
What I meant by "haven't labored" is taken care of themselves. IE, not smoked, drank heavily, eaten healthy, exercised/worked physically, etc.
Exactly what they do with life insurance and car insurance. If you have a bad record, or poor health choices, the cost goes up.
under the current system above would make little to no difference on the topic of runaway costs. a major accident can easily bankrupt most anyone healthy lifestyle or not, even with health insurance.
runaway costs for heathcare is NOT sustainable .. allowing healthcare providers, big pharma, insurance companies, etc. to make unlimited profits by using corrupt laws that allows above to happen has to change.
single payer would control runaways costs .. it's not by accident almost all of the modern world uses single payer which delivers higher quality healthcare at 1/2 the cost or less. eliminating heathcare insurance would chop off about 40% alone.