Everyone would do themselves a favor by fully understanding risk pools. You can't parse things up - it doesn't work. In order for HC to work effectively the payment mechanism has to account everyone. What you are creating above is simply a new tax code full of loopholes, deductions, work arounds.
Come on everyone - say this first when you talk about HC. Every other country worth talking about has a HC structure that delivers HC to all its people from cradle to grave for half the cost of what we pay to insure about 2/3 of our people with poorer results
The US is an outlier by quantum proportions.
Why do we set the bar so low - are we saying we cannot do as well as other counties?