Affordable Health Coverage Key to Attracting Uninsured Young Invincibles

invincibleOnly 20% of uninsured adults (aged 18 to 64) who don’t have employer coverage say they are healthy enough to go without health insurance, according to a study funded by the Robert Wood Johnson Foundation. These findings suggest that well-targeted outreach and enrollment efforts may succeed.  The key will be whether new coverage options will be perceived as affordable and worth the cost, according to the study. The study also reveals the following:

37% Tof uninsured people say that health insurance is not worth the money.

33% of uninsured non-elderly adults say they are risk-takers. Uninsured people who are risk-averse are more than twice as likely to say they don’t need health insurance (33%) or that it is not worth the cost (51%).
35% of uninsured adults 18 to 29 are risk-takers compared to 28% of uninsured adults aged 40 to 64. Thirty-six percent of young adult risk-takers say they don’t need insurance compared to 26.6% of older adult risk-takers.

82% of young adults who describe themselves as risk-averse agree that health insurance is important.

While more than 90% of young adults say their health is excellent or good, 73% agree that health insurance is important.

14% of African Americans say they don’t need health insurance compared to 21% of Caucasians. Also, wenty-six percent of African Americans say health insurance is not worth the cost compared to 42% of Caucasians. For more information, visit

Last Updated 08/10/2022

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