The way to fix this monstrosity is to make the plans a la carte.
Put a price on every possible coverage and let each person choose what they want to cover. Very easy to do, since Insurance is constructed that way in the first place. Example: Pregnancy coverage $ x, Prescription coverage
$ Y, Hospital stay $ z.
This would not mandate that a 60 year old couple, or a couple that has had a hysterectomy or a vasectomy has to buy pregnancy coverage.
That won’t happen because the idea here is wealth redistribution.
The idea is to force everyone who has to pay, whether they need it or not, to pay more to cover free, and low cost pregnancy and birth control to the people who may not pay a dime.
Your a’la carte idea would work fine in practice but would result in the government having far less money and control over your life. Therefore, it’s a non-starter.