Just think about it. Young adults are now compelled to buy medical insurance — either directly or through an employer-sponsored plan. With few exceptions, these people generally use far less medical care than their premiums cost anyway (their premiums are inflated because insurance companies use them to support the higher claims of older policy holders). By the time these younger people are old enough that they regularly have major medical expenses, whatever “medical insurance” is left will cover little more than a medicine man dancing around a hospital bed with rattles and feathers.