Gen Z and millennials face rising health insurance costs as pandemic-era ACA subsidies expire, leading to higher premiums, deductibles, and out-of-pocket expenses. Younger adults should avoid low-premium, high-deductible plans and instead balance costs with coverage. Comparing ACA plans remains crucial, as it can reveal affordable options with good benefits. Gig workers should budget for variable income and prioritize predictable premiums to manage healthcare expenses effectively.