Paul Ryan: The idea of Obamacare is that the people who are healthy pay for the people who are sick.

Lemony Snicket: What Paul Ryan does not appear to understand, dear reader, is that health insurance, like all insurance, works by pooling risks. No individual is likely to need all of the medical care at once. You may be healthy one year and pay for someone else when they lose their leg to lachrymose leeches, and they for you next year, but we will all need some of it eventually. This is the same whether your insurance is through the Affordable Care Act, or through an offshore account in Peru.