Skiing is a perfect example. We accept skiing as a recreational past-time in spite of it's risks. And I have no problem with that. It's the idiots that decide to ski down the backside of a mountain despite posted and announced warnings not to. At that point, the hell with premiums, make the morons pay out of pocket for both their rescue and the associated medical expenses.
Same with motorcycles. If you get hurt simply because of an accident then you should be covered. If you get hurt because you're a moron doing 120mph on a public highway, suck it up bitch and pay for the medical expenses yourself.