The number of people who consistently try to make themselves a bother in an instance is fairly low from my experience. Report them and move on. Like someone else in this thread said previously, a one-time situation of some random person being a jerk doesn't make them a bully.
Also, people throw out insults of any type all the time. Do they know your race/age/gender/sexuality/whateverelsepeoplegetoffendedby? Unless you have broadcast it, no they don't.
This is the internet, and people are going to behave differently. You are not entitled to people respecting you or your opinions.

If someone like the healer that was mentioned, is making the instance unplayable and trying to cause wipes, and just generally disrupting gameplay. Report him, and be glad that there is an incredibly small chance you should encounter him again using the duty finder. Or block him if he's on your server.