No amount of outreach will convince some young adults to sign up. They simply don't think that Obamacare makes financial sense for them.

Arie Lipinski had planned on enrolling in Obamacare ... until he saw how much it would cost him. The 26-year-old has incurred thousands of dollars in medical bills over the past year after breaking his ankle slipping in the snow last January and his jaw in a basketball game in November.

An attorney at a small firm in Carmel, Ind., he makes too much for a subsidy but feels he can't justify paying $184 for a catastrophic plan. Aside from his broken bones, he rarely visits a doctor.

"I don't think I'm likely to get sick or injured further so it's a risk I'm willing to take currently," he said.