For something more serious like a fracture could cost as much as $8000. Some young adults may want to take the risk, though they will face a penalty while paying their income tax. Some young adults working a job could enroll for coverage through their employer. Others could buy a plan through the state's health exchange, college students could be covered through their university's student health plan. Students will be able to buy cover under the health plan. For students who meet certain requirements, the government funded health insurance programs.
Young adults usually go through life without health insurance as they believe they will not fall sick or get injured. Whereas, in reality thousands of upstate New Yorkers will face unforeseen health issues, a severe case of bronchitis, or a slip on ice resulting in bone injuries for example.
Source: Richard Vienne