The Obama administration continues campaigning .. to encourage young, healthy Americans to purchase health insurance .. under the Affordable Care Act. You may have seen some of the ads online .. urging those in this demographic to step up and sign up. Outside experts warn .. if that doesn't happen ..insurance premiums for everyone else will go up. Channel 4's Ashley Harding spoke with a local financial planner ... and is joining us now ..Ashley? 3 Experts say one of the goals of the Affordable Care Act is to get plenty of people under age 35.In fact, the hope is that 40-percent of all people enrolled fall into this age group.The financial planner I talked to today says yes, premium costs could go up if young people don't sign up.But says a lot of that has to do with how much you make. 3 26-31 1'17-1'22Super: Krissy Di CandiaHusband needs insurance Dr. Carolyn McClanahan Life Planning Partners PKG: /// "my name's Daniel.I'm going to school for computer science."TRACK You may have seen ads like this online. It shows a young man talking about how he applied for coverage through healthcare-dot-gov .Or maybe you saw this picture on twitter...This shows a man in his 20's wearing a "onesie" pajama suit, calling for a serious talk about coverage. These are ads aimed to resonate with young people like Krissy Di Candia, whose husband Paul needs health insurance."everything that's happened recently, we're definitely going to look at shopping around. Getting online and seeing what's available for him. "TRACK Some experts say if young, healthy people like Krissy and Paul don't sign up, costs for insurance premiums will go up for everyone in the future."if we're going to control health care costs, everybody really should pay into the system."TRACK Dr. Carolyn McClanahan is a financial planner and says although costs could go up, it may not be as much as some might think. She says the goal of the Affordable Care Act was to have 40-percent of its enrollees be under age 35. McClanahan says if that falls short and only 33-percent under 35 sign up, premiums will go up about 1 percent.If only 25-percent under 35 sign up, the costs will rise 2.5 percent.TRACK McClanahan says there are other things driving up the costs."the two things driving our healthcare costs is this country's tendency to overuse medicine. And our problem of overhead. We spend too much in billing, too much waste in our healthcare system." TRACK ///nats from ACA ad/// Although no one knows for sure if the ads really do work, they definitely send a message to some about the importance of health insurance."I think that if it's available and affordable, the people should definitely sign up for it." 3 I also contacted the U-S Department of Health and Human Services to find out how many people under 35 have signed up for under 35 have many people to find out how Human Services Health and Department of the U-S I also contacted I also contacted the U-S Department of Health and Human Services to find out how many people under 35 have signed up for coverage.Unfortunately, I was told that that information is not yet available. Open enrollment for the Affordable Care Act is March 31st.