Reducto absurdum.  Equally absurd would be to insure everyone against every possible thing and charge for it. 

How about these questions on an insurance application:  

1. Are you a man or a woman? (I know that some have a hard time figuring this out). 
2. Do you smoke?
3. What is your BMI? (a terribly flawed tool that needs to be replaced/improved going forward). 
4. Blood test results? (to determine risk factors)
5. Heart rate/blood pressure?

Based on a few health questions and answers, we can assign a risk factor and then tell you the cost. 

Look, I'm all for health insurance and socializing the risk but I am against forcing me to pay triple for it.  I don't mind kicking in for someone who can't afford it but because of the corporate/government marriage in health care, our costs are ridiculously high. Also, I get tired of people telling me what I need to do with the fruits of my labor.