Reply #32: The mechanics of premium calculation should not figure

[zoff]

into whether or not SPHC is valid. The younger and healthier ones should not have to feel aggrieved. It is correct to assume that they MIGHT not need as much care, but there is no guarantee of that either. Who is to say that an extremely healthy 20 yr old will not contract cancer when they turn 40. If premiums are age-based and more importantly NON-DISCRIMINATORY, then in the course of 2 generations, everybody will have paid the same amount.

It's kinda like the homeowners in my condo association who refuse to pay the cost of roof repair of building A because they live in building B,C,D and E.

When we enter into a contract such as SPHC, we need to understand that we are looking out for the good of the WHOLE community.