And why should women have to pay for an erectile disfunction caused by the man being old and fat?   Why should anyone pay for a child's type one diabetes? Why should women pay for men's tendencies to be higher risk of both accident and illness than are women?   

If you want a personalized insurance policy, then just start a savings account for your future medical cost.  See if there is any value to 'giving' on some risk with others in your policy -  just in case you have a $100,000 illness in your family and you need to use their money.

What about we look at why prices of provider services have gotten so high?

http://truecostofhealthcare.net/outpatient_charges/

That one will make your head spin.    I've tried this myself with past providers.