How come U.S. citizens don't push lawmakers towards reforming insurance policies. It's a ripe off.?

They did and they did...that's why it costs more, because they now provide more benefits for preventative care. I otherwise have no idea what you mean about being "individualized" as individuals, we can buy them.

Your question makes you seem like you are out of touch with the world around you...

The Affordable Healthcare Act, better known as Obama-Care = really has nothing to do with being "affordable", "heathcare" or "obama".

It's an insurance reform law.

insurance is about risk. many factors- such as age, location, and vehicle type are individualized. a good insurance company will take a closer look at you and also include job and married spouse risks as well.

We saw what they just did with health care and know better now.

What kind of insurance???