M. Dodge Thomas thanks for you comments and research. As far as age drift of participants, I personally do not know anyone who is Medicare A & B eligible who carries normal health insurance.
We have the “Gold Plan” plus “Brother’s Keeper” which has a $500 yearly deductible and unlimited financial assistance for all eligible medical bills. None of the “ineligible” conditions have any effect on us. It costs us $150 a piece per month and the Brother’s Keeper catastrophic expense coverage is $40 a piece per year has a quarterly expense that varies a bit but is usually around $25 a piece.
I would point out that young people paying for huge amounts of coverage for congenital conditions and birth defects has never made much sense. No babies are denied necessary medical treatment in this country regardless of their parents ability to pay. In general most young people do not have a large amount of assets that would be at risk if they gave birth to a baby needing very expensive medical treatment. In the past charities such as St. Judes, the Shriners and others have been of great assistance to young families in this situation. It is not a valid reason for government regulated health care insurance.