The third group?

Half of the people who sign up for Obamacare (ACA) get a flurry of medical care, then drop out before a year is over. They can always sign up again if they need to. People who stay on insurance tend to be those who have ongoing chronic and expensive conditions that need continual care. 

The third group of people are Harold Smith, Winnemucca, NV with a obamcare premium of 10 billion a month.