Look at health insurance, any insurance for that matter, as a gamble. The insurance company is betting you won't need it, thus they 'win the bet' and make a profit. The insured is betting he will need it and when he does, he 'wins the bet'. It's not too hard to understand that a young person, especially one in good health, could figure that they won't need it and decide not to participate in, what they see as, a losing proposition.


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