>The entire model is predicated on not paying in each year exactly how much you take out in benefits. That would completely defeat the purpose. So, of course young people pay more than they take out, while they are young

and here's the gist of the scam. It's a pyramid scheme where the new entrants i.e. the young people pay for the old people's costs.

The young people would be far better off investing the money they are paying for old people's healthcare and then using that money for themselves when they are old.

And how much have the old people paid into ACA? They couldn't have possibly paid any because the ACA didnt exist when they were working. So where does the money to pay for their healthcare come from if not from the young people.

So yes they are being ripped off. Young people are having their hard earned money taken to keep old people on life support so they live longer to take more money from young people.