We don't allow people to go without car insurance. Ive gone 10 years without causing an accident or getting a ticket yet I'm forced to get it. That is something I can control by driving safely. Medical insurance can be the same way except when you take the gamble and lose you just push the costs back onto taxpayers and everyone else through higher prices. Why should we be paying for other peoples gambles?
This is a fallacy.
If I break a leg and I am uninsured (with a job), it has no effect on you or the "taxpayers". I get the bill, I might set up a small loan, then pay it off. This happens all the time with dental work amoung young adults.
With a vehicle, you have the potential to cause significant property damage to other people's belongings. This is even more likely the younger you are. Which is why you pay higher premiums at that age.
Just because its half the average for older adults doesn't make 20% any less significant.
No, it's half the average of ALL working-age adults. Young included. So, the numbers of older people carrying medical debt is likely even higher.
It's just yet another illustration of how infrequently young adults need serious medical attention.