Dear Justice Antonin Scalia,
Regarding your argument that "young people are not "'stupid' and should be able to buy insurance when there is a 'substantial risk of incurring high medical costs.'"
With all due respect sir, your argument does not have a basis in reality as the most popular provision of the ACA already enacted is that parents can keep their kids on their health insurance until the children are 26. Your argument here, on the face of it, holds no water.
This is because the parents, at least, know that young people can, very suddenly and without prior indication, end up with medical bills that would exceed the amount of their total student loans for a four-year college. One broken bone which requires surgery can lead to a total bill over $35,000 (I know this from personal experience, and that amount is approximately 10 years out of date now). The news regularly reports on kids falling over dead because of undiagnosed heart or circulatory problems. They don't even mention those that survive to find themselves dealing with a chronic condition. Again, here I speak from the experience of a friend who found himself with a chronic heart condition in his late 20s. I don't know the total amount of his medical expenses, but I do know he was glad for coverage under his wife's employment plan.
Please, sir, move beyond the circle of your friends and look out at the wider experience. Obviously all those parents who are glad they can keep their children on their own plans know something you haven't experienced, or that you wish to ignore. Costly medical bills and chronic healthcare problems are not the provence of the aged.