Both of the current House and Senate health care bills disproportionately burden younger, healthier Americans with higher insurance premiums. To ensure that these young people buy health insurance anyway, Congress has decided to nudge them into purchasing insurance by enforcing a penalty for those who fail to buy coverage. Heritage Foundation analysts estimate that many under age 35 will opt out of buying insurance altogether, choosing to pay the penalty instead. If younger workers do not join the risk pool, insurers will be forced to raise premiums even higher to cover higher-benefit payouts to older people. Either way, younger Americans will have less disposable income--which means they are able to buy and save less--a lose-lose situation.