If the Price is Right, Most Uninsured--Even Young Invincibles--Likely to Consider New Health Insurance Marketplaces

Students studying in dorm room.

Most uninsured young adults, or "invincibles," believe that they need health insurance.

Starting January 1, 2014, new federal subsidies will be available for lower- to middle-income people to purchase private, nongroup coverage through new health insurance exchanges. A key issue for the exchanges is whether enough younger and healthier people will sign up for coverage to avoid significant adverse selection in which only older and sicker uninsured adults enroll, thus driving up premiums.

This brief, conducted by RWJF grantee Center for Studying Health System Change (HSC) examines which uninsured adults ages 18 to 64 are most likely to purchase