Young people should be covered under a plan. One that they buy themselves or is provided by an employer.
Al they had to do 7 years ago was google Health Insurance Policy or call a local Life Insurance agent and they would get dozens of different plans with benefits and premium costs. Most under thirty adults where covered for around $100 a month.
These are adults they should be responsible enough to navigate the crazy world of health insurance. It is no more difficult than buying car insurance or a pair of pants for that matter.
Treating adults like children is bad policy. It makes them dependent, which is what Democrats and all Leftists want. Once they are no longer able to be on their parents health policy, sometime in their early middle age, they can turn to the government and demand/expect someone else to take care of it for them.
I don’t disagree with much of what you are saying, but understand that provision was built into a law that had no cheap policies - the law eliminated them.
In a perfect world your ideas work; unfortunately in a McJob economy they weren’t cutting it (and you and I were footing the bill for catastrophic events for uninsured young people).