They do not want the coverage; It is being forced upon by someone else who thinks that they should have it.
And they should have it only because of the impact on others.
The government is driving the issue.
Not voluntarily for the person but forcing penalties if you do not do it their way. That is your financial incentive
How about this then. Instead of a penalty, how about we do this. You can opt not to have insurance but those that don't want insurance and opt out can no longer discharge medical debt through bankruptcy and any medical debt goes into auto garnishment of wages, no public benefits, etc until the debt is paid.
Its easy to say you don't want insurance because you are young and invincible but reality is plenty of people, young, healthy and invincible get struck down with random illnesses and accidents on a daily basis. If people knew they could no longer discharge medical debt through bankruptcy, very few people would be willing to take a chance forgoing insurance.
Not that insurance is the key to forcing down costs. But no one else is offering ideas. The only way to fix healthcare is to fix the underlying problem and that is runaway costs of procedures and medical care.
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They are taxing health care to subsidize insurance coverage.