Money is tight. You’re young and just starting out in your career. Maybe you don’t have a job yet or you do have a job, but your paycheck seems to vanish the second it hits your checking account. It goes towards credit card bills, student loans and rent. If you’re lucky, there’s just enough left over for food.
Health insurance is probably about the last thing on your priority list. After all, you’re in good health. No need to pay money each month for something you don’t need.