"It's not a big deal, you are young, it won't affect you, just live life."
"Well, can you give me some health care help in case it does?"
"Umm, er, well I guess we can't take THAT kind of risk now, can we?"

Either they are at risk or they aren't, which is it? Make up your mind. This is only an issue because healthcare costs are out of control in this country, thanks to administrators and for-profit orgs pocketing all that cash.