It is now well-established that many people buying health coverage through the ACA exchanges have to pay tens of thousands of dollars – counting both premiums and deductibles – before receiving a single dollar of coverage for treatment of any illness. The well-known prohibition on charging different rates for people with higher health risks obviously makes health coverage more attractive to people with chronic conditions or a history of serious illness. It is obvious that this would increase premiums, if these were the only people to enroll in the new plans. By making premiums independent of health status, it not only made coverage more attractive to people with health problems, but also made coverage less attractive to people who are perfectly healthy.