Actually you don't know about my premium vs costs... I might not be costing them anything. Besides, as I keep saying, I turned the administration of my Medicare costs over to a private insurance company; if they are losing money then they should get out!
What matters is not what it costs for any individual for any given time period, but the entire covered population over a lifetime.
Of course, I've concluded your mind is made up and you aren't interested in any facts that don't support your hypothesis.