Mr. Liam Sloyan:

Other voluntary markets have a system called lifetime community rating whereby if someone takes out health insurance later in life they pay more. Effectively, a 60 year old person who took out health insurance at 25 pays the same as a 25 year old but a 60 year old who took out health insurance at 55 would pay more to allow for the fact that he or she did not make the contributions when he or she was younger.