Nearly three in 10 millennials, people born between 1980 and 1997, say they have never had employer-based health insurance, according to a recent nationwide study from the Transamerica Center for Health Studies.

The nonprofit’s executive director, Hector De La Torre, says he was shocked when he initially saw this statistic. But, upon looking deeper, he found that most millennials in this category were on the younger end – just out of high school, in college or working entry-level jobs that don’t offer insurance. As the age of respondents increased, their chances of having had employer-based insurance increased as well.

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