I don't think kidney stones are really going to get someone denied for insurance. There is no reason I should have to pay for your healthcare. I pay for my healthcare. You pay for your own damn healthcare. (note that I am self employed and had no problems getting a high deductible health plan).

Now if when you say you are short and stout (or however you worded it) you actually mean you are 500 pounds and obese, then get on treadmill. Absolutely no reason I should have to pay for your healthcare because of your poor life decisions.