Today's generation of young people is exercising more, eating smarter, and avoiding unhealthy habits such as smoking. For this group of young people under 30, good health is more than just not getting sick, it is a way of life. Perhaps this is why young people are rejecting the notion of purchasing private health insurance at some of the highest rates. If you are young and healthy, paying a premium for private health coverage might seem like an unnecessary expense. The truth, however, is that unexpected events happen all the time, and an unexpected illness or sports accident can land you in the hospital in need of medical treatment even if you're the healthiest person in New York or even the whole United States. Unfortunately, if this does happen, being uninsured could make these kinds of unforeseen events significantly more expensive. Health insurance can help reduce those costs.Â