Q: How much would it cost to insure against such catastrophic outcomes (with a $100 deductible and coverage enough for all hospital bills and recuperation)? A:

Q: How much would it cost to insure against such catastrophic outcomes (with a $100 deductible and coverage enough for all hospital bills and recuperation)? A: About $20 per month per person. You're right this is the biggest risk young people face... the rest of their premium is just going to the old folks and their exploiters.