It's cool that me explaining how insurance works means that you can jump to conclusions about "People like you" and my political views (which were not mentioned AT ALL).
Whether you want to call bullshit or not, you're incorrect. When is the last time car insurance made you pay for the damages in your own auto accident? It didn't. When is the last time someone had to pay replacement value put of pocket on their home because of a fire? They don't. When is the last time you paid the entire hospital bill yourself because you had a baby? You didn't. So whether you like to admit it or not, you belong to a pool of insured people who all collectively pay for 'things that happen'. That means, by definition, that an individual's problem is everyone's problem. If you can't see that, you should talk to an actuary.
So, here's an idea: let's start a health plan where we kick out the fatties, the smokers, the reckless people, and people who engage in sex without birth control, and anyone who has a mental health issue? Medically, all of that stuff means higher costs for our insurance members. But that's the heart of the issue -- now it's illegal to not offer coverage for that stuff, so that type of plan would be NOT CALLED HEALTH INSURANCE. Which is why the plans are getting cancelled. Whether you personally like it or not (and I don't) all of that stuff is EVERYONE's problem now.