First of all, it's VERY unlikely anything will happen to them.
Second of all, in the unlikely event something DOES happen to them... They have NOTHING TO LOSE! The point of insurance is to prevent the loss of everything you have if something catastrophic happens to you. But since the young haven't accumulated anything, they have nothing to lose, and there is already free medical insurance for those with nothing, it's called Medicaid.
So First Wookie... if anyone is a knucklehead it's YOU! for thinking the young were too stupid to figure out you just wanted them to pay for the discounted healthcare of your inner city brethren
I may be dead wrong but there appears to be a bit of an inconsistency here. It is my hazy understanding that if you are given Medicaid benefits the government has the right to come after you in later years for the money paid out for you under Medicaid. If that is true, then they certainly have something to lose.