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When I was 18 full time College student, working full time at the local Schwinn shop (started at MW, but didn't take long to move up with good work ethic) and they offered insurance, sure I had to pay out of my pay-check, which I did. Poeple choose to have big TVs & 24" wheels over health insurance. BTW, if you take the time to shop around, you can find good & affordable insurance for less than some spend on smokes each month.
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Byron
20+ year PCA member 
Many Cool Porsches, Projects& Parts, Vintage BMX bikes too
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