I personally think every state legislature should pass a law that says 2 things. 1. You are not required to wear a helmet. 2. If you are injured in a motorcycle accident while not wearing a helmet, all insurance companies are exempt from paying the first $50,000 of your medical costs or life insurance benefit. You or your family will be responsible for that first $50,000.
Sorry, crazy, but it really is not exclusively your business. If you are injured in an accident you probably expect an insurance policy to cover your medical costs. But, insurance payouts come from a pool contributed to by all the policy holders. If your injuries are exacerbated by not wearing a helmet, what right do you have to ask the members of the pool to pay the resultant medical costs associated with that choice? Now, if the insurance company were to charge you double or triple premium rate for not wearing a helmet, then no problem. Personal rights that give you the privilege to ride without a helmet should have attached to them the personal responsibility of paying for that choice.