<![CDATA[Background: The National Health Insurance (Indonesia's universal healthcare program), as a social protection mechanism, faces challenges related to the regularity and quality of service provision, especially for vulnerable groups such as young women. Objective: This study aims to explore the subjective experiences of young women aged 17 to 25 years in using BPJS services in hospitals, emphasizing the interactive, emotional, and social factors that shape their perspectives. Methods: This research used a qualitative phenomenological methodology. Data were collected through snowball sampling techniques, followed by in-depth interviews with 18 young female participants aged 17 to 25 years old. The data were then processed using Miles and Huberman's analysis technique, which involved data reduction, data presentation, and conclusion drawing. The writer also used triangulation techniques to validate the processed data. Results: Experiences of young women utilizing BPJS are marked by a duality between financial security and uncertainty about service supply. The biggest impediments include quality differences in health services, from confusion to self-reliance, social media pressure, and reproductive stigma. While BPJS is perceived as an economic lifeline, their experiences are complex, including uncertainties surrounding service supply, technological obstacles and questions of gender identity. Conclusion: This study shows that young women face a dilemma between financial security and uncertainty regarding service provision in their access to BPJS. The main barriers include variations in the quality of care across different healthcare institutions, the transition from confusion to competence in navigating the system, and the pressures arising from gender and reproductive stigma. The success of the National Health Insurance (JKN) is determined not only by the scope of services, but also by the experience of dignity and gender sensitivity in the delivery of those services.]]>
