As healthcare legislation advances through Congress, young adults are emerging as a significant beneficiary of reform, but they are also likely to play a major role in funding. A 2008 study by the Urban Institute found that more than 10 million young adults ages 19 to 26 lack health insurance coverage. For many of those people, healthcare reform would offer relatively inexpensive individual policies. The trade-off is that young people would require individuals to buy at least minimal coverage.