in the ACA?
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I agree with much of what you've said. It's true that most people in their 20's don't give a rip about buying insurance, and shouldn't be forced to buy it by a government that doesn't have the authority to do that in the first place.
I paid for health insurance for most of the years of my 20s, and I never once used it. Now I'm in my 40s and don't have health insurance. I've been ripped off completely.