High deductible insurance is about 600-1000 dollars a year, and the deductible is 2500-10000 dollars (meaning the first 2500-10000 dollars of your expenses are out of pocket, and then after that everything is covered).

From what I recall, students can be covered by their parents' health insurance until they're 26 as long as they're still in school. That's what most college students do.

If they're not in school, and they don't have their own job that provides health insurance, well...honestly, if they don't have a job that provides it, then they probably don't have a job that pays enough that they can afford to get it independently either. Most of my friends in that situation just gamble and try not to go to a doctor unless absolutely necessary. If they do have to...well, then they're going to be in some serious debt.

It's not a very good system, but it works for the people who have influence.