I think you’re missing the fact that young people can opt out and pay a penalty - or be insured on a parent’s plan. With the latter, an insurance company is collecting premiums from SOMEONE for a younger, presumably healthier person in a plan that meets the ObamaCare criteria.
Insurance plans, particularly group plans, have the same premium for a family policy regardless of the amount of children that the plan covers. The fact that the law requires insurance companies to cover ‘children’ up to age 26 does not increase the amount of premiums that an insurance company receives. It dilutes the amount of potential paying customers.
In other words...they are not collecting increased premiums, they are only picking up increased risk.
The young are easily insured and for very little money as they are less likely to get ill. Lumping them in with older parents on group policies simply costs the company more money and drives up everyone’s premium.
26 year old people are not children. They are adults. 18 year old men stormed the beaches of Normandy and saved Western Civilization, I think the snowflakes of today can find and pay for their own health insurance sometime before the age of thirty.