Hillary Clinton's Presidential campaign is unappealing to many young voters. And that's to be expected. Her message of practicality and incrementalism is cold comfort to people struggling with a lack of opportunity and money. Life is pretty bad for a lot of young people (and single women). Many fell into a financial tailspin during the last recession and never climbed out. Yet they are expected to find a way on their own, and that includes paying for their own health insurance.

Meanwhile the message to the health insurance industry is, relax, your continued profits are assured. That can feel like a real slap in the face to young, healthy people. Being a member of the 100% profit club for rich insurance companies is a hard pill to swallow. The 100% profit club includes everyone who pays insurance premiums but don't receive medical care. Insurers don't have to spend any money for these folks and get to keep the thousands of dollars they pay in premiums.

It's Time To Stop Being The Sensible Mom

According to Vox, Hillary Clinton's Democratic Presidential contender, Bernie Sanders, won the support of 84% of voters under 30 in Iowa and this number is projected to be even higher in New Hampshire. His message of single-payer health care resonates with young voters because it does not involve throwing in the towel. It's time for Hillary to learn that young people don't do practical and don’t want to hear that that’s just the way it is. So telling them that single-payer health care is a pipe dream and that proposals to reduce deductibles, copays and prescription drug costs are more practical, won't cut it with these folks. Not to mention that it is health insurance premiums these guys struggle to pay, and prevents them from paying other expenses.

I'm sincerely worried about Hillary's Presidential prospects. I don't think she can allow herself to support what she personally views as impractical ideas, like single-payer health care. Her defeat by Republicans to create a single-payer health care program in the 1990s left her deeply wounded. She's not willing to put herself through that pain again and she's trying to convince young voters that that's exactly where Sanders wants to lead them. He's the fun, but irresponsible dad and she's the sensible mom. But she doesn't stand a chance if she doesn’t stop sounding so practical. And she can start by promoting ways in which young people, single women and healthy individuals can save on their monthly insurance premiums.

Two proposals that might help her win over the young and healthy are:

1. Provide individual health insurance purchasers the same tax benefits as workplace health insurance purchasers
2. Provide young and healthy individuals, not receiving a government premium subsidy, with a one-time only $1,000 contribution to a Health Savings Account (HSA)