That is what insurance companies DO!!! Insurance is not a right, and the rates you pay are based on the liklihood of succumbing to what you are buying insurance against! Sick people are more likely to need their insurance to pay, so they have higher rates. People in dangerous jobs have higher rates, and people in dangerous lifestyles or circumstances have higher rates.
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Actually, look at it like this. In our country, medical treatment IS a right. Emergency Rooms are not allowed to turn people away. Of course, in our country, payment for medical treatment is based on the assumption that everyone has insurance. When someone does not have it and cannot pay it, the hospital has to foot the bill, which is essentially a form of insurance (albiet one where the deductible can put you in debt the rest of your life.)

So if we have the right to be treated, shouldn't we also have the right to at least have a shot at paying for it? This is one of the problems with an entirely privatized insurance system... the "death panels" everyone was so up in arms about has existed for years.

Unfortunately, this is nothing new. A Uterus is also a pre-existing condition under some plans.