While Hillary Clinton is struggling to get young people — theones who helped elect Barack Obama twice — to the polls this year,the outgoing president is having trouble getting these same peopleto sign up for health insurance.

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Much of the Affordable Care Act’s struggles are tied to the factthat millions of millennials are forgoing insurance. As aresult, the ACA marketplace is older and sicker than anticipated,making it hard for insurers to turn a profit. In response, insurershave been raising premiums or leaving the marketplace entirely.

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Currently, young people account for roughly 30 percent of ACAplan policyholders. The administration would like to see thatfigure rise to 40 percent, but that goal appears increasinglyunrealistic.

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The administration has tried a number of different tactics tocompel millennials to enroll. It has raised thepenalty for going without insurance every year of the ACA’sexistence so far; it now is $695 for an individual, up from only$95 in 2014.

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The current effort that is directed specifically at young peopleis a massive advertising campaign focused on social media networksand websites frequented by young people, as well as in movietheaters. Lyft, the ridesharing service, has agreed to offer freerides to ACA sign-up events during the upcoming open enrollmentperiod that begins on Nov. 1.

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That messaging will be supplemented by appeals from thepresident himself, who will give an address at the University ofSouth Florida on Wednesday in which he will urge young people totake ownership of the landmark health law to help it survive.

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While young people have always been less likely to be insuredsince they have less money and fewer health concerns, expertsbelieve that many more would sign up if they understood thesubsidies they are eligible for. Politico reports that most enrollees could finda plan for less than $75 a month, after subsidies.

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Many who are forgoing plans out of fear of the cost might onlybe saving themselves a couple hundred dollars a year, since theywill be subject to the nearly $700 fine for not havingcoverage.

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