The present system gives things to some for free, at some cost to others, at great cost to many, and denies it on cost to many who must pay for others to get what they cannot afford for themselves.
It’s not pure communism, its not pure socialism. Perhaps its factional or front socialism, but when folks who pay for it all cannot afford it for themselves, they are going to vote for socialism.
Democrats are counting on that, and will probably get it or something close to it.
I agree its unfair, but it is even more unfair to force someone to pay for your insurance through oppressive taxation. We used to be able to borrow the money. That time is ending. The crony socialist war will leave nobody happy or well cared for. I have no easy answers, but neither do politicians or anyone else.