This is not going to work... at all. My generation may be stupid, but they're far more altruistic than most give them credit for.
They could easily target this generation with something like:
"By buying health insurance, you make it easier for your friends with health problems to pay for the health care they need to stay alive and healthy. Plus, you never know when you might have health problems of your own."
Perhaps even tie it in with the Christian moral of healing the sick. That might work with this generation.
They may be idiots when it comes to politics but they are not hedonists by any stretch.