. >> reporter: for jay lundeen, navigating health insurance was a lesson in stick shock. the 25-year-old opted against taking benefits from his employer because under the aca, he was able to get coverage on his dad's insurance. >> he managed to work it out with his company and basically just get me covered without any extra cost to him. so at that point the calculation was very easy to make. it was oh, i can pay for health insurance through my company or i can stay with my dad and it doesn't cost him anything and doesn't cost me anything until i'm 26. >> reporter: more young workers like him are taking the mom and dad route, according to new data from payroll processor adp since 2010, workers under 30 at the nation's largest companies saw their eligibility for insurance rise over 4%. yet their rate of enrollment in company plans dropped over 7.5%. adp officials say for many, the core issue is cost. >> certainly when you look at this population of under 30, they're at the beginning of their careers and their salaries would tend to be lower than other age group populations.