That's incredibly shortsighted. The young are the only people who really do need to insure their health, because by and large they're the only people who don't

That's incredibly shortsighted. The young are the only people who really do need to insure their health, because by and large they're the only people who don't know how they're going to die yet, or how much it's going to cost. They're the only ones with any uncertainty. The fact that a healthy young person can fail to buy insurance because they "don't need it" (because they're never going to get sick - hah!) and then obtain it later on in life when they need medical coverage is completely broken. How are insurance companies supposed to make money like that? Why, by dropping people when they actually get sick. Who would ever buy this product? How on earth can you sell it? The only way that it even begins to make sense is if you have to have it for your entire life.