I'm 49, not obese, in relatively good health. I'm a self-employed professional. I've had continuous health coverage my whole life. I passionately believe in insuring against potential catastrophic losses, as I have experienced a fire which destroyed my home (ohmygawd, is your first thought, I sure hope I paid the insurance premium). Settling the claim on that loss took over four years.
I don't carry insurance on anything I can afford to replace, which means I never buy the "extended warranty," my deductibles are high, and I don't carry collision insurance on my 10 year old car (the cost to replace it is equivalent to about 4 years of premiums, so the calculus says "self insure" for this one).
About 12 years ago, I obtained insurance in a small town in a western state.