I started driving in 1958. During the intervening years, I have received one overtime parking ticket and someone hit my fender while my car was parked at a curb. But yet I have always carried auto insurance because I might have an accident and it's my responsibility to meet any obligations I might incur if I do happen to have an accident. Surely it is unlikely that I would be in an accident at this point.
But there is absolutely no doubt that a youngster is going to get injured or sick or pregnant unpredictably. Why would someone think that they do not have the responsibility to meet their obligations at the emergency room, hospitalization, doctor's fees, etc.?
When health insurance is placed on a platter in front of you (subsidized when necessary), what level of gall it must take to feel that your lack of preparedness becomes a cost to your neighbor, relatives, minister, friends, or worse yet complete strangers? Whether you are 15 or 100 years old you have a responsibility as a member of society; so let's not peddle the rose food that you don't need health insurance until you get sick. What sane insurance carrier would issue a health insurance policy to a patient in an emergency room? What sane patient would expect them to?