This doesn’t apply to all insurances and doesn’t address the actual question at hand. Should obese people, smokers, alcoholics, drug users, etc be denied medical care for the choices they make?

If not, is this insurance argument of yours based on actually wanting medical care changes for the benefit of all or just to intimidate more people into getting the vaccine?

Distinguish raising rates from refusing to cover costs. Also, my health insurance company has no idea how much I weigh, so I'm not sure how common that actually is.