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Ibs, just to be the devil's advocate:
When you are no longer covered by your parents, and the hardware store doesn't cover you, what will happen?
A) You'll be covered under Medicare and while you won't get routine maintenance, the govt plan will pay the expenses if you get hit by a bus
B) You'll personally buy the lowest possible level of insurance out of your own pocket; if you don't or can't, you'll pay penalties and fines, and you'll remain uninsured
C) You'll be put into a pool of uncovered individuals and your "premiums" will be paid by taxpayers
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