"These numbers … demonstrate just how damaging the ACA's provisions are to the insurance market," Wednesday's analysis stated.
ObamaCare's critics charge that the law would make health insurance premiums too expensive for people on the individual market.
Supporters counter that individual purchasers would be receiving better health coverage and that many would be eligible for federal discounts to make plans more affordable.
It remains to be seen whether younger people will enroll for coverage on the marketplaces, which have been plagued by technical problems since their debut on Oct. 1.
The Affordable Care Act requires people to have health insurance starting next year, but the initial penalty starts as low as $95 for people who decline to enroll.
AAF predicted that, regardless of available tax credits, many younger patients would opt to pay the penalty when faced with the overall cost of healthcare coverage on the exchanges.
The states with the highest increases in plan costs for the 30-year-old woman were Vermont, Nevada, Nebraska, Georgia and Kansas, according to the analysis.
—The headline was changed Wednesday night to reflect that the source of the analysis was a conservative think-tank.