When I was a 21-year-old college graduate, my job — like plenty of the jobs people settle for in their 20s — didn’t include health insurance. Being a cautious sort, I was reluctant to forgo insurance entirely: What if I was that one unusual young adult who would face a serious, expensive health crisis? So I bought a high-deductible plan that was $60 a month (and tried not to think about how much ramen that money could have bought).

While I ultimately chose to go the catastrophic-coverage route, I could probably have afforded more extensive coverage. But for young adults in 2014 and beyond — when Obamacare is fully implemented — that may not be the case.