It is true that younger people, left to their own devices, may not view health insurance all that favourably.  Yet we have "revealed preference" information that suggests ultimately young people do in fact want health care insurance.  That evidence is the popularity and uptake of the provision allowing parents to keep their children on their coverage to age 26.  

This whole debate just illustrates, once again, that the health care sector is plagued by "market failures".  What is the revealed preference for cancer treatment?  I would say quantity = zero until cancer is diagnosed at which point quantity demanded approaches infinity.  How does one draw a demand curve for that?  Paul Ryan's insistence that Perfect Market competition is the way to improve the system is, well, nuts.