But I don't care how it works at all!
I don't plan on it existing when I am old (I'm 35). I don't want it and I am trying desperately to save up and invest so I can care for my own self.
This certainly isn't helping me....
Are your parents going to pay for their medical care when they retire? No...they will be on Medicare. They have probably saved for their retirement with the assumption that they will have Medicare. Why don't you ask them what they think?