A 27 year old worked 40 hours a week and made $30,000 in 2012 and is currently making the same. He is just barely paying for food, clothes & housing expenses and insurance was not offered by his company, so he hasn't been paying for insurance & he was able to pay his bills.
He could enroll in a Bronze plan for about $2,078 per year (which is 6.93% of his household income, after taking into account $24 in subsidies). For most people, the Bronze plan represents the minimum level of coverage required under health reform. Although he would pay less in premiums by enrolling in a Bronze plan, he will face higher out-of-pocket costs than if he enrolled in a Silver plan.