First, if you're "27", the average premium is $266.20/month or $3,194.40 per year. How many 27 year olds have an extra $3,200 to spend on this? Remember, this is the price that virtually every uninsured 27 year old must be willing -- and able -- to cough up in order to prevent the model this system is predicated on from collapsing.
If those 27 year olds don't show up, and they won't, then the system collapses instantly. If they do show up because the government threatens them with fines the economy collapses as $3,200 a year exceeds the average 27 year old's disposable personal income after mandatory expenses (e.g. food, shelter, etc.) Remember, there are always exceptions but these premiums are averages and over large pools of people the statistical averages are what matters -- not the ends of the barbell.
All emphases in the above quote are in the original. Read the entire story.