This sounds like a great deal if your annual taxes are less than your annual unsubsidized medical expenses, and a terrible deal if your annual taxes stretch into the six figure range as a young healthy person.
> annual taxes stretch into the six figure range as a young healthy person
At that point you're in the, what, top 2% of salaries? Especially for your age band.
Doesn't this young person theoretically become older and less healthy as time passes? How many young people have six figures in taxes and not understand reciprocity?