Yes, you can call that a win... you who don't have any compelling use for that $40. The system works for you. Other people, though, look at the difference in premiums and they think, "Good, because I need that money now for [food/clothes/child care expenses/halfway decent pre-school program for my kids]."

And then they get in a situation where they need medical care and the evil fucking pricks who designed the system that works so well for you sneer down at them for making poor financial decisions and not being able to plan for the future.

To put it in simple terms, what you are saying is, "I can afford healthcare so the system is fine."