Costs AND availability are issues. Underlying issues are that it costs too much even if you are healthy and it gets outright unaffordable otherwise, and not enough people have coverage because they are priced out of the market.

Suggesting that someone "doesn't want any health insurance" is ridiculous, even young and healthy 20-something would buy health insurance if price was affordable and they had means to purchase. Current phenomena of young adults chancing it (odds are in your favor) and going without coverage is direct result of unreasonable cost.

[Linked Image]