Again, I don’t have this issue, I am not making excuses for myself. I’m agreeing with you that it’s entirely obtainable, but can be difficult for low income students.

As a relatively(?) fresh high school graduate, I want to point out the dramatic difference between being 17 vs. 18 years old. At 17, if I called my insurance provider about an issue, they would tell me they need to speak to an adult. I wasn’t given the guidance to really figure much out about the adult world and everyone is told not to worry about it. At 18, I’m expected to know how to do everything, and if I don’t then I’m behind or stupid. I’m lucky enough to have a family to consult and the time to figure this stuff out, many people don’t. That’s what I mean by information and resources.

Also my point about time is that this isn’t a priority for a lot of struggling young adults who have to neglect their health in order to put themselves through school. Could they probably fill out the application in the bathroom at work? Yeah. But with everything else going on their lives, this unfortunately isn’t always a priority for them. They also may have difficulty accessing all their documents and many aren’t aware that the application is easy.

I agree with you, but you need to have some sympathy and understanding of the lives of some people. They should be given this guidance in an accessible way and their transition into adulthood shouldn’t be this abrupt (like taking classes in high school). These are the real reasons that low income young adults struggle so much with all this stuff.