I'm so sorry that, at some point (Reagan,) we made the decision that humans should be taken care of, no matter what. We're not animals, after all. It's a dog-eat-dog world, but for %^@* sake, let's compete for wealth and such, not for basic survival. We mandated that hospitals treat any and all, and then they spread the costs around.
When we did so, and discovered that people in fact aren't all self-reliant future-predicting money-saving accident-preventing weather-controlling disease-resistant beings, and that we were having to cover costs at a later stage and greater expense than really necessary, yeah. We decided to push back a little, and ask people to contribute up-front to their statistically likely healthcare costs, for which we're all (one way or another) on the hook for.
This is, if anything, more of a personal-responsibility push than before, which I would have expected conservatives to favor. We have a safety net (you'll get healthcare no matter what) but by golly, we're tired of moochers. If you can pay, then pay. There are some things you can control about your health -- but there are an awful lot you can't, and for you to claim you know you won't need certain care is fairly ridiculous. Cancer? Car accident? Plague outbreak? You don't have enough data, nor enough of an immediate feedback loop, to plan properly for those eventualities. And unless you're willing to be left to rot and die on the side of the road, I don't accept your claim of self-reliance. It's all fine and good until bad shit happens.
Sure, your policy covers some gender-based services you clearly won't use, for the sake of simplicity, so we can compare plans and make informed decisions. The actual cost to you of having insurance coverage for services you know you won't need is really quite low, because it's spread across everyone, and you're getting benefits that others won't use. This isn't a savings plan, you're not paying into a silo, it's insurance. Same thing with paying taxes to pay, in general, for care for the poor. It's not a silo, it's an insurance plan for all citizens, even you, in the eventuality that your best-laid-plans fail and you wind up on the street.
You're not paying for services you won't need, you're paying to be part of an insurance pool with thousands of other people who will all have different issues, and you're all sharing the cost. It's different.