Sounds like you are young and because you are young you are receiving the privilege of paying less premium for health care. Health Insurance for better or worse heavily discriminates against the older folks.
>> the risk in the public ACA pool is lower than the employer's pool of employees
as a general rule, the public pool is substandard rating.
>> the risk in the public ACA pool is lower than the employer's pool of employees
as a general rule, the public pool is substandard rating.