Healthcare: A Logical Inquiry

In all the discussions of the health care bill, no one has raised a question that's been bothering me. It is my understanding that benefits will not begin until the fifth year of the plan, while funding will begin from year one. It would seem that the last six years of said plan will eat up ten years of funds. If it takes ten years to pay for six, what does that portend for the second decade of Obamacare?