I've been there. My first wife (God rest her soul) had a medical condition that required me to pay a higher life insurance premium on her than on me. The insurance company expected her to die early, and it turned out they were right. I saw nothing wrong with that practice, and still see nothing wrong with it.
As for losing your medical insurance when you lose your job, that's one of the worst features of our present system of tying medical insurance to a job. You should own own medical insurance policy, just as you own your life insurance, car insurance, and fire insurance. You don't lose those when you lose your job.
You realize that health insurance companies are risk pools with the risk of the insured in the pool spread out amongst those in the pool via premiums, correct?
So are you advocating 'weeding out' the sick who've paid their premiums year after year to lower your premium?
Talk about death panels ....