If you are under the impression that the author of RepubliCare/ TrumpCare, House Speaker Paul "Lyin'" Ryan (R- Galt's Gulch), understands the basic concept of "insurance," please stop what you're doing and read this or this. Or you can see for yourself, based on what he said today in his Health Insurance for Dummies (By Dummies)
The fatal conceit of Obamacare is that we’re just gonna MAKE everybody buy our health insurance at the federal government level. Young and healthy people are going to go into the market and pay for the older, sicker people. So the young, healthy person’s going to be made to buy healthcare, and they’re gonna pay for the person, you know, who gets breast cancer in her 40s, or gets heart disease in his 50s. So take a look at this chart. The red slice here are what I would call people with pre-existing conditions, people who have real healthcare problems. The blue is the rest of the people in the individual market, that’s the market where people don’t get health insurance with their jobs, or they buy it themselves. The whole idea of Obamacare is the people in the blue side pay for the people on the red side. The people who are healthy pay for the people who are sick. It’s not working, and that’s why it’s in a death spiral. (our emphasis)No wonder his Obamacare repeal bill is a steaming pile; the genius thinks you should only start paying for insurance when you get sick. Until then, you're young and free, so nothing bad ever happens to you and you never get old, so no health insurance, no worries! Let the old and sick pay for themselves -- or not! Good luck! Freedumb! The end.
(Oh, and surprise! he's lying about Obamacare being in a "death spiral.")
To summarize, he's a dick and a moron. You're welcome.
UPDATE: Of course, given his affinity for the selfish philosophy of Ayn Rand, it's altogether possible he does understand the concept of insurance and is opposed to it because it requires someone to do something (pay premiums) for someone else's benefit (health care) without immediate benefit to himself. That would add "sociopath" to our descriptors above.