The Supreme Court recently not only legalized gay marriage, it also upheld the Affordable Care Act (ACA), commonly known as Obamacare. While millennials should be the most excited of all generations about the security of affordable health insurance, many still find Obama’s promise of plans even as cheap as $100 a month to be completely out of reach.

A Commonwealth Fund study, “Young, Uninsured, and in Debt: Why Young Adults Lack Health Insurance and How the Affordable Care Act Is Helping,” showed that just over one in three young adults struggled to pay health bills or medical debt before the expansion of Obamacare coverage in 2012, and that the number had not changed in two years, despite an October story on NPR reporting that more millennials are going to the doctor.

Young, relatively healthy, “invincible” millennials are still saddled with financial troubles, from student loan debt to high unemployment, so much so that two-thirds of previously uninsured millennials continue to forgo health care and are instead fighting health-care providers tooth and nail for every out-of-pocket dollar spent on their health. Citing a Pew Research study as evidence, The Guardian and Huffington Post both have opined that millennials are openly defying the health-insurance mandate in favor of the lower-priced tax-time penalty, and Forbes reports that by eliminating low-cost, non-qualified plans, Obamacare actually makes being uninsured more attractive for the average, penny-pinching millennial.

In a new PricewaterhouseCoopers report, “Money Matters: Billing and Payment for a New Health Economy,” 19 percent of those ages 25 to 34 said they’ve asked for a discount on medical care, compared with just 8 percent of the general population. Millennials are also twice as likely to ask for cheaper treatment options and to seek help from providers to pay for costly medical bills. Having grown up being able to compare prices for everything from air fares to electronics, millennials expect the same transparency in health care. While just 10 percent of the general population will inquire about costs for a treatment, 17 percent of 18- to 24-years-olds surveyed by PwC said they ask about pricing, and 21 percent of those ages 25 to 34 said they ask for a price check on medical care.

So . . . maybe having uninsured millennials is actually a good thing? Major disruption in health care was inevitable, and who better than the Innovation Generation to put pressure the industry? Entrepreneur recently reported that millennials are now causing employers to think differently about their entire benefits package, instead focusing on five more inexpensive — and proactively healthy — benefits that millennials value more than health insurance, proving yet again that millennials might just be changing society and the workplace for everyone to enjoy.

April Lane is a freelance writer.