Health insurance is insurance. It survives because it takes calculated risks, and the general public is not a very good risk health-wise. The value and the problem with insurance is that it faces the reality that there are limited resources out there head-on. Now you may well be correct to say that using those resources for the benefit of only those who can pay is unfair, but what criteria do you use to ensure fair distribution?
The general public is a much better risk than the current system, which contains a disproportionate number of people who need more expensive treatments because they've been avoiding relatively cheap preventative care, or show up to the emergency room with no coverage at all. The health care reform prioritizes preventative care and universal coverage. You're right that the general public is a worse bet than only NBA players, but it's a much better bet than what we're covering now.
Women concerned about their rights? They make up more than 50% of the voting population. Why do I need to look out for their interests? You want the government looking out for women's rights... easy solution--every single woman show up to vote. That's it. If 90% of women showed up to vote in 2012 I can guarantee that their interests would get nearly exclusive attention from candidates. If 90% of Latinos showed up to vote you can guarantee that their interests would be represented.
Two points. First, since the US is a representative democracy with unlimited outside and unaccountable money, there is a strong selection process that filters out anybody who seriously challenges the status quo or does not have close personal ties to big corporations. Vote in Republicans, we get corporate bailouts with no accountability. Vote in Democrats, the "anti-Wall street" wing of the corporate party, and we get... corporate bailouts with no accountability. Vote in a Republican (at the state level), and you get a "universal health care plan" that still keeps individuals at the mercy of private insurance companies. Vote in a Democrat, and you get... a "universal health care plan" that still keps individuals at the mercy of private insurance companies.
Second, you don't have to be female, Black, Muslim, gay, or whatever for an equitable society to be in your own interests. For example, allowing women access to the workplace and empowering them helps grow the economy (and is a big part of why US GDP grew so well throughout the 80's and 90's despite flat real wages). Civil rights are not about charity for the oppressed group. A fair society is in everybody's best long-term interest. Our problem is that we often pursue short term gains.
The people who will go to an election no matter what are the radicals.
"If voting changed anything, they'd make it illegal" —Emma Goldman
I judge a religion as being good or bad based on whether its adherents become better people as a result of practicing it. - Joe Mullally, computer salesman