I so agree with you. Accidents, and illness can hit anyone, any time. Young people feel themselves invulnerable, but one bad driver behind you at a stop light, or an appendix that decides to pop can wipe you out financially, for decades. However, I suspect a lot of young people still don't realize that they are being required, by law, to purchase insurance by the end of this year, sometimes for a couple hundred dollars a month. I just spoke to a group of college kids who were, frankly, clueless about this, and that was scary. They are going to quickly find out, as this years fine is low, but will go up quickly in the next couple years. I still think many will pay the fine, rather then pay a large monthly premium. I just am trying to see how the many college age people who seem to be on this site, feel about it, and what they plan to actually do. I find it interesting that almost no answers have been posted to this yet.