Millions of young adults healthy enough to think they don't need insurance face painful choices this year as the sign-up deadline approaches for President Barack Obama's health care law. Fines for being uninsured rise sharply in 2016 — averaging nearly $1,000 per household, according to an independent estimate. It's forcing those in their 20s and 30s to take a hard look and see if they can squeeze in coverage to avoid penalties. Many are trying to establish careers or just make progress in a still-bumpy economy. "There's only so far one can dwindle a ramen-noodle diet," said Christopher Rael of Los Angeles.