I agree to a certain extent. The fact that women are the ones that have the kids, and all the problems that goes with that contributes to the higher premiums, but it should end there.

Fat people should pay more, they are more likely to get diabetes, heart problems, knee and back problems, etc.. Smokers should pay more, again, heart disease, lung diseases. Fat smokers should pay triple premiums. If people are too lazy to take care of themselves, why should I have to pay to take care of them?