I don't know about this person's specific situation, but state laws do make a difference. In some states, the high-deductible coverage can be obtained by a single 20-something for $60ish a month. Here in NY, we have this goofy community rating law, where premiums on individual insurance plans can't be affected by your age. So there is no individual insurance option, even for 20-somethings and even with a high-deductible, that doesn't cost at least a few hundred dollars a month. Do a few searches on eHealthInsurance.com and you'll see what I mean.