ACA without subsidies is a regressive tax due to the price differential cap from young to old. It's a wealth transfer from younger/poorer people to older/wealthier people still on private insurance. Health risks track most closely with being older and thus on average wealthier.
It's just the people that have tricked you, have used statistical correlation and cover of pre-existing condition to hide the fact what they're actually doing is robbing from the poorer to subsidize the richer.
It's a wealth transfer from healthy people to sick people. That's the whole point of health insurance.
Older people are sicker and older people are wealthier, but older sicker people on ACA plans are not wealthier than the median.
It's a sleight of hand to collate the two (old-rich and old-sick), but sure, if this is such a large concern, the solution is adding means testing, not just leaving sick people with care they can't afford.
Due to the way ACA works (disallows pre-existing condition discrimination) it's young-average[for age] vs old-overage[for age] with a cap on the ratio. Which functions as a regressive wealth transfer when the premium subsidies get gutted.
It's just the people that have tricked you, have used statistical correlation and cover of pre-existing condition to hide the fact what they're actually doing is robbing from the poorer to subsidize the richer.