"Every year, the money needed will always go up a little bit more,"
That's because every year, you get older. And every year, there's medical inflation.
Every one of the policies on healthcare.gov, EVERY ONE OF THEM, has a rising price for every age. Between 27 and 64, there are THIRTY-EIGHT different premiums for every policy, all based on your age that year.
The folks who are 64 ALWAYS pay top of the market (Currently around $1200-$1500month), and that's usually what COBRA folks pay as well.
So your prices should go up every year for TWO reasons: you're a more expensive client than younger you last year...
...and medical inflation.
" I quoted his straw man in #171."
That's 41 times.