Right now I'm the one being screwed in the system. You're damn right I'm looking out for #1.
As I've pointed out, your issue wrt lack of choice has been induced by Repubs refusal to fund risk corridors.
Also as I've pointed out what happens if everybody acts the way you want to act?
The answer is that there won't be enough healthy people in broad coverage pools to hold the price down to anything like affordable. So we all pitch in so that we'll be able to buy in at all phases of life. That's how employer sponsored plans work except that employers cover more of the cost than the ACA. We could change that, too, if we could get more indirectly from employers in the form of taxes.