'Young invincibles' could be problem for ACA Updated: Thursday, December 12, 2013 | KALAMAZOO, Mich. (NEWSCHANNEL 3) - Another problem looms for the Affordable Care Act--that of the so-called 'young invincibles.'Young people have to sign up in order for the plan to work, and many of them are saying no.Now, the President is working hard to get the young invincibles to buy into the Affordable Care Act."To keep coverage costs down for all people, you need to have a balance between sick and healthy in every set of plans," explained Caleb Buhs, with the Department of Insurance and Financial Services.Many young adults, just starting in their careers, say health insurance is not something they really need, though.Tina Smith is 27, and works at a local fitness club. She says buying insurance right now would put a big strain on her budget."It kind of makes it hard on me because financially now, I have to add another expense that right now I don't have," she said.A new Harvard University poll shows that just 20 percent of Americans under 30 plan to enroll in a health care plan.The President spoke last week at a White House youth summit, trying to convince them that they need health insurance even though they don't often have to make trips to the doctor.But many young people say it's tough to think about 'what-ifs' or 'tomorrow,' when they're having trouble making it day to day.Many states have launched advertising campaigns directed at young people, promoting benefits like preventative care and birth control.State insurance officials say they expect the federal government will also advertise here in Michigan, because it needs the young invincibles to make the Affordable Care Act work.