No, the whole point of health insurance, like any type of insurance, is to hedge against risk. Risk pooling is just one way of helping to ensure it's profitable to issue policies. If I decide I don't want to risk having to pay for cancer treatments, I can pay a premium for an insurance policy to hedge against the risk of developing cancer. If I know I'm not going to be having children, why would I pay a premium for maternity coverage?
An individual should absolutely be able to choose which risks he wants to hedge against and which risks he doesn't. That's the big problem with the minimum essential coverage requirements in the Patent Protection and Affordable Care Act, it forces everyone to pay for coverage they may neither need, nor want. Insurance does not equate to healthcare, although people like to confuse the two. You can always pay cash for services. If I'm relatively young and healthy, with plenty of cash in the bank, it may make sense for me to carry a high deductible catastrophic plan that does not cover routine services that I can pay for with cash.
If the goal is universal health coverage, then we should be opening free clinics, new medical schools and offering scholarships to people who want to be trained. The PPACA did none of this, it was simply more regulations on an already over-regulated industry.