Of course if you are a risk then you should pay more. The
correct answer is for those people to rely on public charity to help with their medical bills. What you're advocating is just forcing people to subsidize others. At least with private charity people: 1st are thankful, and realize that others are helping them, and 2nd are controlling how their money is spent.
Insurance shouldn't cover preventive care, it should be insurance. You don't have car insurance that covers getting your oil changed, why should your health insurance cover your doctor visits?
This is incoherent. I literally don't know what you're responding to. Charity? Subsidizing others?
It really sounds like you're arguing against the entire concept of insurance here. The idea of managing risk by pooling it dates back to the 14th century; if you want to argue against it, consider time travel.
As to your second graf --- again, what are you talking about? Oil changes don't mitigate the risk of car accidents, which is why your insurance company will give you a break for not getting tickets or driving a safer car, but won't give you a break for changing your oil.
Insurance shouldn't cover preventive care, it should be insurance. You don't have car insurance that covers getting your oil changed, why should your health insurance cover your doctor visits?